Liberty National Bank in Conyers, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 05, 2005

  • Liberty National Bank in Conyers, Georgia (GA)
  • Show street view No street view available for this location

Liberty National Bank - Overview

  • General
  • FDIC Certificate #: 34506
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: United Community Bank (#16889)
    Federal Reserve ID: 2596619
    Date Established: October 14, 1997
    WWW: http://www.libertywebbank.com
    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 #: 16032
    FDIC's unique #: 57784
    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: October 14, 1997
    Last Structure Change Effective Date: Febuary 05, 2005
    Last Structure Change Process Date: Febuary 15, 2005
    Last Data Update: Febuary 15, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 Georgia Highway 138, Conyers, GA 30013
    County: Rockdale
    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)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $209.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)

  • Dollar figures in thousands
  • 43Total employees (full-time equivalent)
  • $209,206Total assets
  • $3,939Cash and due from depository institutions
  • $535Interest-bearing balances
  • $14,613Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $157,570Net loans & leases
  • $2,142Loan loss allowance
  • $0Trading account assets
  • $4,520Bank premises and fixed assets
  • $0Other real estate owned
  • $25,977Goodwill and other intangibles
  • $0Life insurance assets
  • $2,587All other assets
  • $209,206Total liabilities and capital
  • $168,497Total liabilities
  • $160,985Total deposits
  • $135,625Interest-bearing deposits
  • $160,985Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,318Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,500Other borrowed funds
  • $0Subordinated debt
  • $3,694All other liabilities
  • $40,709Total equity capital
  • $40,709Total bank equity capital
  • $40,709Perpetual preferred stock
  • $0Common stock
  • $51Surplus
  • $40,341Undivided profits
  • Memoranda
  • $317Noncurrent loans and leases
  • $41,282Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $726Average Assets, year-to-date
  • $172,718Average Assets, quarterly
  • $4,802Volatile liabilities
  • $182,353Insider loans
  • $198,779FHLB advances
  • $25,464Loans and leases held for sale
  • $3,487Unused loan commitments
  • $2,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $41,282Total unused commitments
  • $0Restructured Loans and leases
  • $2,142Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $989Total interest income
  • $194Total interest expense
  • $795Net interest income
  • $47Provision for loan and lease losses
  • $149Total noninterest income
  • $0Fiduciary activities
  • $97Service charges on deposit accounts
  • $0Trading account gains & fees
  • $52Additional noninterest income
  • $346Total noninterest expense
  • $200Salaries and employee benefits
  • $36Premises and equipment expense
  • $110Additional noninterest expense
  • $551Pre-tax net operating income
  • $0Securities gains (losses)
  • $193Applicable income taxes
  • $358Income before extraordinary items
  • $0Extraordinary gains - net
  • $358Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.60%Yield on earning assets
  • 0.12%Cost of funding earning assets
  • 0.48%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 0.21%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.20%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 1.85%Return on equity (ROE)
  • 1.85%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 2350.00%Credit loss provision to net charge-offs
  • 299.00%Efficiency ratio
  • 34,852Assets per employee
  • 4.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 97.88%Net loans and leases to core deposits
  • 113.08%Equity capital to assets
  • 19.46%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 9.00%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $182,353Average earning assets
  • $19,320Average equity
  • $165,463Average loans

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