Peach State Bank & Trust in Gainesville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peach State Bank & Trust in Gainesville, Georgia (GA)
  • Show street view No street view available for this location
Peach State Bank & Trust routing number info

Peach State Bank & Trust - Overview

  • General
  • FDIC Certificate #: 57923
    Status: Active
    Federal Reserve ID: 3348468
    Date Established: April 27, 2005
    WWW: http://www.peachstatebank.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 #: 431466
    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: April 27, 2005
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 325 Washington Street, Gainesville, GA 30501
    County: Hall
    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): Gainesville, GA (#23580)
    CBSA Metro Statistical Area: Gainesville, GA (#23580)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $146.9 mil
    Equity capital: $10.7 mil
    Deposits held in domestic offices: $129.4 mil
    Return on assets (ROA): -1.67% (-$2.5 mil)
    Quarterly return on assets: -2.77% (-$4.1 mil)
    Return on Equity (ROE): -29.49% (-$3.2 mil)
    Quarterly return on equity: -45.95% (-$5.1 mil)
    Net income: -$2.5 mil
    Quarterly Net income: -$1.0 mil
    Pretax return on assets: -1.67% (-$2,452.6 mil)
    Quarterly Pretax return on assets: -2.76% (-$4,053.3 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
  • 21Total employees (full-time equivalent)
  • $146,860Total assets
  • $20,567Cash and due from depository institutions
  • $8,760Interest-bearing balances
  • $19,370Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $95,624Net loans & leases
  • $4,394Loan loss allowance
  • $0Trading account assets
  • $4,329Bank premises and fixed assets
  • $5,845Other real estate owned
  • $0Goodwill and other intangibles
  • $146,860Life insurance assets
  • $1,125All other assets
  • $136,119Total liabilities and capital
  • $129,369Total liabilities
  • $109,922Total deposits
  • $129,369Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 1313.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $437Subordinated debt
  • $10,741All other liabilities
  • $10,741Total equity capital
  • $10,741Total bank equity capital
  • $0Perpetual preferred stock
  • $11,497Common stock
  • $6,919Surplus
  • $-7,675Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,531Income earned, not collected on loans
  • $0Earning assets
  • $445Long-term assets (5+ years)
  • $123,754Average Assets, year-to-date
  • $22,596Average Assets, quarterly
  • $148,880Volatile liabilities
  • $148,946Insider loans
  • $101,750FHLB advances
  • $152,009Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,481Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,154Restructured Loans and leases
  • $4,062Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,551Total interest income
  • $1,869Total interest expense
  • $4,682Net interest income
  • $3,401Provision for loan and lease losses
  • -$233Total noninterest income
  • $0Fiduciary activities
  • $250Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$483Additional noninterest income
  • $3,535Total noninterest expense
  • $1,542Salaries and employee benefits
  • $361Premises and equipment expense
  • $1,632Additional noninterest expense
  • -$2,487Pre-tax net operating income
  • $0Securities gains (losses)
  • $3Applicable income taxes
  • -$2,490Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,490Net income attributable to bank
  • $0Net charge-offs
  • -$2,490Cash dividends
  • $2,195Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 3.62%Net interest margin
  • -0.18%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • -1.67%Net operating income to assets
  • -1.67%Return on assets (ROA)
  • -1.67%Pretax return on assets
  • -29.49%Return on equity (ROE)
  • -29.49%Retained earnings to average equity (YTD only)
  • 2.06%Net charge-offs to loans
  • 154.94%Credit loss provision to net charge-offs
  • 0.42%Efficiency ratio
  • 79,456Assets per employee
  • 6.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.39%Loss allowance to noncurrent loans
  • 67.28%Noncurrent assets plus other real estate owned to assets
  • 8.43%Noncurrent loans to loans
  • 6.53%Net loans and leases to deposits
  • 73.92%Net loans and leases to core deposits
  • 81.74%Equity capital to assets
  • 7.31%Core capital (leverage) ratio
  • 6.89%Tier 1 risk-based capital ratio
  • 10.30%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $148,880Average earning assets
  • $8,444Average equity
  • $129,392Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0431466Peach State Bank & Trust325 Washington Street, Gainesville, GA 30501April 27, 2005Full Service Brick and Mortar
    1453799Messenger Service325 Washington Street, Gainesville, GA 30503June 01, 2005Limited Service Messenger

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Peach State Bank & Trust.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents