McIntosh Commercial Bank in Carrollton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 26, 2010

  • McIntosh Commercial Bank in Carrollton, Georgia (GA)
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McIntosh Commercial Bank - Overview

  • General
  • FDIC Certificate #: 57399
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: CharterBank (#30720)
    Federal Reserve ID: 3123106
    Date Established: November 05, 2002
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 363136
    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 05, 2002
    Last Structure Change Effective Date: March 26, 2010
    Last Structure Change Process Date: March 29, 2010
    Last Data Update: March 29, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 820 Dixie Street, Carrollton, GA 30117
    County: Carroll
    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
  • Absorption - Assisted
    Corrections
  • Financial Summary
  • Total assets: $363.4 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, 2009)

  • Dollar figures in thousands
  • 59Total employees (full-time equivalent)
  • $363,405Total assets
  • $58,599Cash and due from depository institutions
  • $52,350Interest-bearing balances
  • $27,188Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $208,580Net loans & leases
  • $4,995Loan loss allowance
  • $0Trading account assets
  • $14,353Bank premises and fixed assets
  • $49,959Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,726All other assets
  • $363,405Total liabilities and capital
  • $354,516Total liabilities
  • $343,339Total deposits
  • $334,498Interest-bearing deposits
  • $343,339Deposits held in domestic offices
  • 90.35%% insured (estimated)
  • $782Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,443Other borrowed funds
  • $0Subordinated debt
  • $952All other liabilities
  • $8,889Total equity capital
  • $8,889Total bank equity capital
  • $8,889Perpetual preferred stock
  • $0Common stock
  • $5,250Surplus
  • $29,441Undivided profits
  • Memoranda
  • $-25,802Noncurrent loans and leases
  • $6,560Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $68,800Earning assets
  • $0Long-term assets (5+ years)
  • $1,828Average Assets, year-to-date
  • $288,118Average Assets, quarterly
  • $24,777Volatile liabilities
  • $378,236Insider loans
  • $383,148FHLB advances
  • $89,709Loans and leases held for sale
  • $2,140Unused loan commitments
  • $9,280Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,560Total unused commitments
  • $1,487Restructured Loans and leases
  • $3,291Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $14,640Total interest income
  • $11,290Total interest expense
  • $3,350Net interest income
  • $223Provision for loan and lease losses
  • -$1,048Total noninterest income
  • $0Fiduciary activities
  • $221Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,269Additional noninterest income
  • $11,721Total noninterest expense
  • $4,166Salaries and employee benefits
  • $1,949Premises and equipment expense
  • $5,606Additional noninterest expense
  • -$9,642Pre-tax net operating income
  • $680Securities gains (losses)
  • -$417Applicable income taxes
  • -$8,545Income before extraordinary items
  • $0Extraordinary gains - net
  • -$8,545Net income attributable to bank
  • $0Net charge-offs
  • -$8,545Cash dividends
  • $4,682Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 3.66%Cost of funding earning assets
  • 1.09%Net interest margin
  • -0.34%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • -2.43%Net operating income to assets
  • -2.26%Return on assets (ROA)
  • -2.37%Pretax return on assets
  • -63.29%Return on equity (ROE)
  • -63.29%Retained earnings to average equity (YTD only)
  • 1.98%Net charge-offs to loans
  • 4.76%Credit loss provision to net charge-offs
  • -2.01%Efficiency ratio
  • 509,166Assets per employee
  • 6.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.34%Loss allowance to noncurrent loans
  • 7.26%Noncurrent assets plus other real estate owned to assets
  • 32.68%Noncurrent loans to loans
  • 32.21%Net loans and leases to deposits
  • 60.75%Net loans and leases to core deposits
  • 81.88%Equity capital to assets
  • 2.45%Core capital (leverage) ratio
  • 2.34%Tier 1 risk-based capital ratio
  • 3.38%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $378,236Average earning assets
  • $13,501Average equity
  • $308,615Average loans

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