Pickens County Bank in Jasper, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 26, 1996

  • Pickens County Bank in Jasper, Georgia (GA)
  • Show street view No street view available for this location

Pickens County Bank - Overview

  • General
  • FDIC Certificate #: 22480
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 227236
    Date Established: June 18, 1977
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 15674
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 18, 1977
    Last Structure Change Effective Date: April 26, 1996
    Last Structure Change Process Date: June 03, 1996
    Last Data Update: June 03, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 606 Church Street, Jasper, GA 30143
    County: Pickens
    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: $52.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $25Total assets
  • $50,452Cash and due from depository institutions
  • $895Interest-bearing balances
  • $199Securities
  • $10,830Federal funds sold & reverse repurchase agreements
  • $703Net loans & leases
  • $36,463Loan loss allowance
  • $493Trading account assets
  • $0Bank premises and fixed assets
  • $967Other real estate owned
  • $0Goodwill and other intangibles
  • $594Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $50,452Total liabilities
  • $45,126Total deposits
  • $44,915Interest-bearing deposits
  • $38,880Deposits held in domestic offices
  • 44915.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $63Subordinated debt
  • $0All other liabilities
  • $148Total equity capital
  • $148Total bank equity capital
  • $5,326Perpetual preferred stock
  • $0Common stock
  • $520Surplus
  • $3,480Undivided profits
  • Memoranda
  • $1,326Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $141Income earned, not collected on loans
  • $187Earning assets
  • $48,195Long-term assets (5+ years)
  • $7,430Average Assets, year-to-date
  • $47,928Average Assets, quarterly
  • $49,659Volatile liabilities
  • $6,157Insider loans
  • $1,352FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,292Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,298Total risk weighted assets
  • $33,224Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,964Total interest expense
  • $1,736Net interest income
  • $2,228Provision for loan and lease losses
  • $54Total noninterest income
  • $332Fiduciary activities
  • $0Service charges on deposit accounts
  • $204Trading account gains & fees
  • $0Additional noninterest income
  • $128Total noninterest expense
  • $1,736Salaries and employee benefits
  • $857Premises and equipment expense
  • $197Additional noninterest expense
  • $682Pre-tax net operating income
  • $770Securities gains (losses)
  • $0Applicable income taxes
  • $251Income before extraordinary items
  • $519Extraordinary gains - net
  • $0Net income attributable to bank
  • $519Net charge-offs
  • $3Cash dividends
  • $215Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.67%Cost of funding earning assets
  • 3.80%Net interest margin
  • 4.88%Noninterest income to earning assets
  • 0.73%Noninterest expense to earning assets
  • 3.80%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 1.61%Return on equity (ROE)
  • 10.15%Retained earnings to average equity (YTD only)
  • 5.95%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 1800.00%Efficiency ratio
  • 67,813Assets per employee
  • 2.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.43%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 349.65%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 81.18%Net loans and leases to core deposits
  • 93.93%Equity capital to assets
  • 10.56%Core capital (leverage) ratio
  • 10.60%Tier 1 risk-based capital ratio
  • 15.95%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $47,928Average earning assets
  • $5,112Average equity
  • $45,697Average loans

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