Integrity Bank in Alpharetta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 29, 2008

  • Integrity Bank in Alpharetta, Georgia (GA)
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Integrity Bank - Overview

  • General
  • FDIC Certificate #: 35469
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 2922339
    Date Established: November 01, 2000
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 80251
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 01, 2000
    Last Structure Change Effective Date: August 29, 2008
    Last Structure Change Process Date: September 04, 2008
    Last Data Update: September 04, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 11140 State Bridge Road, Alpharetta, GA 30022
    County: Fulton
    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: $1,107.5 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, 2007)

  • Dollar figures in thousands
  • 80Total employees (full-time equivalent)
  • $1,209,722Total assets
  • $5,212Cash and due from depository institutions
  • $111Interest-bearing balances
  • $141,468Securities
  • $68,931Federal funds sold & reverse repurchase agreements
  • $900,104Net loans & leases
  • $38,489Loan loss allowance
  • $0Trading account assets
  • $21,578Bank premises and fixed assets
  • $9,289Other real estate owned
  • $0Goodwill and other intangibles
  • $21,710Life insurance assets
  • $63,140All other assets
  • $1,209,722Total liabilities and capital
  • $1,141,231Total liabilities
  • $1,000,245Total deposits
  • $988,742Interest-bearing deposits
  • $1,000,245Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $45,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $65,000Other borrowed funds
  • $18,000Subordinated debt
  • $12,986All other liabilities
  • $68,491Total equity capital
  • $68,491Total bank equity capital
  • $68,491Perpetual preferred stock
  • $0Common stock
  • $5,000Surplus
  • $86,398Undivided profits
  • Memoranda
  • $-22,907Noncurrent loans and leases
  • $263,401Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $138,405Earning assets
  • $0Long-term assets (5+ years)
  • $7,262Average Assets, year-to-date
  • $1,110,614Average Assets, quarterly
  • $75,059Volatile liabilities
  • $1,215,446Insider loans
  • $1,254,242FHLB advances
  • $247,035Loans and leases held for sale
  • $10,139Unused loan commitments
  • $65,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,965Total risk weighted assets
  • $263,401Total unused commitments
  • $0Restructured Loans and leases
  • $31,821Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $88,787Total interest income
  • $58,399Total interest expense
  • $30,388Net interest income
  • $76,938Provision for loan and lease losses
  • $1,519Total noninterest income
  • $0Fiduciary activities
  • $86Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,433Additional noninterest income
  • $19,507Total noninterest expense
  • $9,012Salaries and employee benefits
  • $2,532Premises and equipment expense
  • $7,963Additional noninterest expense
  • -$64,538Pre-tax net operating income
  • $0Securities gains (losses)
  • -$19,342Applicable income taxes
  • -$45,196Income before extraordinary items
  • $0Extraordinary gains - net
  • -$45,196Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $48,273Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.83%Yield on earning assets
  • 5.15%Cost of funding earning assets
  • 2.68%Net interest margin
  • 0.13%Noninterest income to earning assets
  • 1.72%Noninterest expense to earning assets
  • -3.72%Net operating income to assets
  • -3.72%Return on assets (ROA)
  • -5.31%Pretax return on assets
  • -49.82%Return on equity (ROE)
  • -49.82%Retained earnings to average equity (YTD only)
  • 4.93%Net charge-offs to loans
  • 159.38%Credit loss provision to net charge-offs
  • 0.26%Efficiency ratio
  • 61,137Assets per employee
  • 15.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.10%Loss allowance to noncurrent loans
  • 27.81%Noncurrent assets plus other real estate owned to assets
  • 12.21%Noncurrent loans to loans
  • 14.75%Net loans and leases to deposits
  • 89.99%Net loans and leases to core deposits
  • 112.77%Equity capital to assets
  • 5.66%Core capital (leverage) ratio
  • 5.17%Tier 1 risk-based capital ratio
  • 6.06%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $1,215,446Average earning assets
  • $90,721Average equity
  • $1,133,376Average loans

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