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

This bank is inactive as of Febuary 28, 2009

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

Rossville Bank - Overview

  • General
  • FDIC Certificate #: 18959
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community National Bank (#19272)
    Federal Reserve ID: 350433
    Date Established: December 13, 1963
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 12584
    FDIC's unique #: 12804
    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: December 13, 1963
    Last Structure Change Effective Date: Febuary 28, 2009
    Last Structure Change Process Date: March 16, 2009
    Last Data Update: March 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 316 Chickamauga Avenue, Rossville, GA 30741
    County: Walker
    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): Chattanooga, TN-GA (#1560)
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
    CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
  • Financial Summary
  • Total assets: $96.3 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, 2008)

  • Dollar figures in thousands
  • 38Total employees (full-time equivalent)
  • $96,287Total assets
  • $2,345Cash and due from depository institutions
  • $332Interest-bearing balances
  • $13,608Securities
  • $2,978Federal funds sold & reverse repurchase agreements
  • $72,934Net loans & leases
  • $742Loan loss allowance
  • $0Trading account assets
  • $3,123Bank premises and fixed assets
  • $74Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,225All other assets
  • $96,287Total liabilities and capital
  • $85,246Total liabilities
  • $83,584Total deposits
  • $70,943Interest-bearing deposits
  • $83,584Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $980Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $682All other liabilities
  • $11,041Total equity capital
  • $11,041Total bank equity capital
  • $11,041Perpetual preferred stock
  • $0Common stock
  • $1,840Surplus
  • $5,160Undivided profits
  • Memoranda
  • $4,041Noncurrent loans and leases
  • $9,495Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $674Earning assets
  • $0Long-term assets (5+ years)
  • $396Average Assets, year-to-date
  • $89,852Average Assets, quarterly
  • $5,420Volatile liabilities
  • $97,878Insider loans
  • $96,302FHLB advances
  • $20,694Loans and leases held for sale
  • $150Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,495Total unused commitments
  • $1,881Restructured Loans and leases
  • $742Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $6,076Total interest income
  • $1,604Total interest expense
  • $4,472Net interest income
  • $300Provision for loan and lease losses
  • $812Total noninterest income
  • $0Fiduciary activities
  • $567Service charges on deposit accounts
  • $0Trading account gains & fees
  • $245Additional noninterest income
  • $3,939Total noninterest expense
  • $1,977Salaries and employee benefits
  • $464Premises and equipment expense
  • $1,498Additional noninterest expense
  • $1,045Pre-tax net operating income
  • -$697Securities gains (losses)
  • $8Applicable income taxes
  • $340Income before extraordinary items
  • $0Extraordinary gains - net
  • $340Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $212Sale, conversion, retirement of capital stock, net
  • $1,008Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.74%Yield on earning assets
  • 1.78%Cost of funding earning assets
  • 4.96%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 4.37%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 3.10%Return on equity (ROE)
  • -6.09%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 141.51%Credit loss provision to net charge-offs
  • 6.34%Efficiency ratio
  • 74,546Assets per employee
  • 2.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 296.47%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 110.09%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 0.91%Net loans and leases to deposits
  • 87.26%Net loans and leases to core deposits
  • 114.19%Equity capital to assets
  • 11.47%Core capital (leverage) ratio
  • 11.14%Tier 1 risk-based capital ratio
  • 14.69%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $97,878Average earning assets
  • $10,975Average equity
  • $90,134Average loans

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