FDIC Certificate #: 192 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Capital City Bank (#9622) Federal Reserve ID: 30632 Date Established: January 13, 1906 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) OTS Docket #: 12068 FDIC's unique #: 154 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 03, 2001 Last Structure Change Process Date: March 28, 2001 Last Data Update: March 28, 2001 Data Source Date: April 05, 2012
Location
Address: 3rd Avenue And West 10th Street, West Point, GA 31833 County: Troup Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Atlanta Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122) Core Based Statistical Area (CBSA): LaGrange, GA (#29300) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $152.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
63Total employees (full-time equivalent)
$152,610Total assets
$24,655Cash and due from depository institutions
$10,371Interest-bearing balances
$49,171Securities
$0Federal funds sold & reverse repurchase agreements
$72,155Net loans & leases
$1,189Loan loss allowance
$0Trading account assets
$4,328Bank premises and fixed assets
$0Other real estate owned
$570Goodwill and other intangibles
$0Life insurance assets
$1,731All other assets
$152,610Total liabilities and capital
$138,303Total liabilities
$111,790Total deposits
$86,044Interest-bearing deposits
$111,790Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$25,295Other borrowed funds
$0Subordinated debt
$1,218All other liabilities
$14,307Total equity capital
$14,307Total bank equity capital
$14,307Perpetual preferred stock
$0Common stock
$250Surplus
$1,026Undivided profits
Memoranda
$13,031Noncurrent loans and leases
$15,934Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$126Earning assets
$117Long-term assets (5+ years)
$874Average Assets, year-to-date
$131,697Average Assets, quarterly
$38,416Volatile liabilities
$149,885Insider loans
$153,980FHLB advances
$32,014Loans and leases held for sale
$5,207Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$15,934Total unused commitments
$0Restructured Loans and leases
$1,033Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$10,560Total interest income
$4,880Total interest expense
$5,680Net interest income
$1,600Provision for loan and lease losses
$896Total noninterest income
$65Fiduciary activities
$579Service charges on deposit accounts
$0Trading account gains & fees
$252Additional noninterest income
$4,238Total noninterest expense
$2,355Salaries and employee benefits
$767Premises and equipment expense
$1,116Additional noninterest expense
$738Pre-tax net operating income
-$12Securities gains (losses)
$254Applicable income taxes
$472Income before extraordinary items
$0Extraordinary gains - net
$472Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,481Sale, conversion, retirement of capital stock, net
$260Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.92%Yield on earning assets
3.66%Cost of funding earning assets
4.26%Net interest margin
0.67%Noninterest income to earning assets
3.18%Noninterest expense to earning assets
0.32%Net operating income to assets
0.31%Return on assets (ROA)
0.48%Pretax return on assets
3.44%Return on equity (ROE)
1.54%Retained earnings to average equity (YTD only)
1.96%Net charge-offs to loans
108.04%Credit loss provision to net charge-offs
1.58%Efficiency ratio
63,717Assets per employee
2.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.08%Loss allowance to loans
1.62%Loss allowance to noncurrent loans
943.65%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.17%Net loans and leases to deposits
64.55%Net loans and leases to core deposits
68.87%Equity capital to assets
9.37%Core capital (leverage) ratio
9.58%Tier 1 risk-based capital ratio
16.75%Total risk-based capital ratio
Memoranda
$18Average assets
$149,885Average earning assets
$13,736Average equity
$133,327Average loans
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