Georgia Trust Bank in Buford, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Georgia Trust Bank in Buford, Georgia (GA)
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Georgia Trust Bank routing number info

Georgia Trust Bank - Overview

  • General
  • FDIC Certificate #: 57847
    Status: Active
    Federal Reserve ID: 3306299
    Bank Holding Company (Regulatory Top Holder): Georgia Trust Bancshares, Inc. (RSSDID: 3306301, Location: Buford, GA)
    Date Established: May 16, 2005
    WWW: http://www.georgiatrustbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 428075
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 16, 2005
    Last Structure Change Effective Date: January 24, 2012
    Last Structure Change Process Date: January 24, 2012
    Last Data Update: January 24, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2725 Mall Of Georgia Boulevard, Buford, GA 30519
    County: Gwinnett
    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
    Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • Financial Summary
  • Total assets: $122.3 mil
    Equity capital: $3.0 mil
    Deposits held in domestic offices: $119.0 mil
    Return on assets (ROA): -0.90% (-$1.1 mil)
    Quarterly return on assets: -0.64% (-$0.8 mil)
    Return on Equity (ROE): -36.10% (-$1.1 mil)
    Quarterly return on equity: -25.40% (-$0.8 mil)
    Net income: -$1.2 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.90% (-$1,100.5 mil)
    Quarterly Pretax return on assets: -0.64% (-$782.6 mil)

2000 - 2011 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, 2011)

  • Dollar figures in thousands
  • 19Total employees (full-time equivalent)
  • $122,283Total assets
  • $13,722Cash and due from depository institutions
  • $9,598Interest-bearing balances
  • $19,023Securities
  • $2,910Federal funds sold & reverse repurchase agreements
  • $72,366Net loans & leases
  • $2,288Loan loss allowance
  • $0Trading account assets
  • $6,459Bank premises and fixed assets
  • $7,343Other real estate owned
  • $0Goodwill and other intangibles
  • $122,283Life insurance assets
  • $460All other assets
  • $119,242Total liabilities and capital
  • $118,960Total liabilities
  • $111,151Total deposits
  • $118,960Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $282Subordinated debt
  • $3,041All other liabilities
  • $3,041Total equity capital
  • $3,041Total bank equity capital
  • $0Perpetual preferred stock
  • $6,250Common stock
  • $10,742Surplus
  • $-13,951Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,730Income earned, not collected on loans
  • $0Earning assets
  • $346Long-term assets (5+ years)
  • $103,897Average Assets, year-to-date
  • $19,023Average Assets, quarterly
  • $134,094Volatile liabilities
  • $126,495Insider loans
  • $85,433FHLB advances
  • $126,734Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,022Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,636Restructured Loans and leases
  • $1,314Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,517Total interest income
  • $2,143Total interest expense
  • $2,374Net interest income
  • $46Provision for loan and lease losses
  • -$392Total noninterest income
  • $0Fiduciary activities
  • $35Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$427Additional noninterest income
  • $3,421Total noninterest expense
  • $1,353Salaries and employee benefits
  • $340Premises and equipment expense
  • $1,728Additional noninterest expense
  • -$1,485Pre-tax net operating income
  • $273Securities gains (losses)
  • $0Applicable income taxes
  • -$1,212Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,212Net income attributable to bank
  • $0Net charge-offs
  • -$1,212Cash dividends
  • $832Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.91%Yield on earning assets
  • 1.85%Cost of funding earning assets
  • 2.05%Net interest margin
  • -0.34%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • -1.11%Net operating income to assets
  • -0.90%Return on assets (ROA)
  • -0.90%Pretax return on assets
  • -36.10%Return on equity (ROE)
  • -36.10%Retained earnings to average equity (YTD only)
  • 1.00%Net charge-offs to loans
  • 5.53%Credit loss provision to net charge-offs
  • -1.73%Efficiency ratio
  • 172,603Assets per employee
  • 6.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.06%Loss allowance to noncurrent loans
  • 13.68%Noncurrent assets plus other real estate owned to assets
  • 19.69%Noncurrent loans to loans
  • 22.41%Net loans and leases to deposits
  • 60.83%Net loans and leases to core deposits
  • 65.18%Equity capital to assets
  • 2.49%Core capital (leverage) ratio
  • 2.38%Tier 1 risk-based capital ratio
  • 3.54%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $134,094Average earning assets
  • $3,358Average equity
  • $115,666Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0428075Georgia Trust Bank2725 Mall Of Georgia Boulevard, Buford, GA 30519May 16, 2005Full Service Brick and Mortar
    1445006Kennesaw Branch3415 George Busbee Parkway, Kennesaw, GA 30144September 26, 2005Full Service Brick and Mortar

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