SunTrust Bank, Northwest Georgia, National Association in city_name, state_name

SunTrust Bank, Northwest Georgia, National Association in Rome, Georgia (GA)
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SunTrust Bank, Northwest Georgia, National Association - Overview

General
FDIC Certificate #: 2152
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: SunTrust Bank (#867)
Federal Reserve ID: 717830
Date Established: September 11, 1877
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 13 (Interstate: No)
OTS Docket #: 14776
FDIC's unique #: 1421
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: January 01, 1934
Last Structure Change Effective Date: January 01, 2000
Last Structure Change Process Date: March 29, 2000
Last Data Update: March 29, 2000
Data Source Date: April 05, 2012
Location
Address: 100 East Second Avenue, Rome, GA 30162
County: Floyd
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
Core Based Statistical Area (CBSA): Rome, GA (#40660)
CBSA Metro Statistical Area: Rome, GA (#40660)
Financial Summary
Total assets: $395.9 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
186Total employees (full-time equivalent)
$395,865Total assets
$28,485Cash and due from depository institutions
$332Interest-bearing balances
$75,489Securities
$0Federal funds sold & reverse repurchase agreements
$279,575Net loans & leases
$6,856Loan loss allowance
$0Trading account assets
$5,657Bank premises and fixed assets
$58Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$6,601All other assets
$395,865Total liabilities and capital
$366,537Total liabilities
$293,614Total deposits
$234,172Interest-bearing deposits
$293,614Deposits held in domestic offices
0.00%% insured (estimated)
$70,284Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$2,639All other liabilities
$29,328Total equity capital
$29,328Total bank equity capital
$29,328Perpetual preferred stock
$0Common stock
$2,500Surplus
$11,000Undivided profits
Memoranda
$15,828Noncurrent loans and leases
$132,473Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,005Earning assets
$0Long-term assets (5+ years)
$1,508Average Assets, year-to-date
$355,396Average Assets, quarterly
$78,343Volatile liabilities
$371,149Insider loans
$380,569FHLB advances
$82,687Loans and leases held for sale
$11,044Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,481Total risk weighted assets
$132,473Total unused commitments
$0Restructured Loans and leases
$4,166Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$26,915Total interest income
$9,884Total interest expense
$17,031Net interest income
$1,940Provision for loan and lease losses
$8,056Total noninterest income
$1,855Fiduciary activities
$2,804Service charges on deposit accounts
$0Trading account gains & fees
$3,397Additional noninterest income
$16,360Total noninterest expense
$6,970Salaries and employee benefits
$1,969Premises and equipment expense
$7,421Additional noninterest expense
$6,787Pre-tax net operating income
-$551Securities gains (losses)
$2,229Applicable income taxes
$4,007Income before extraordinary items
$0Extraordinary gains - net
$4,007Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$252Sale, conversion, retirement of capital stock, net
$6,000Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.84%Yield on earning assets
2.88%Cost of funding earning assets
4.96%Net interest margin
2.35%Noninterest income to earning assets
4.77%Noninterest expense to earning assets
1.17%Net operating income to assets
1.08%Return on assets (ROA)
1.68%Pretax return on assets
12.97%Return on equity (ROE)
-6.45%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
769.84%Credit loss provision to net charge-offs
34.63%Efficiency ratio
65,213Assets per employee
2.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
149.74%Loss allowance to loans
2.39%Loss allowance to noncurrent loans
341.95%Noncurrent assets plus other real estate owned to assets
0.52%Noncurrent loans to loans
0.70%Net loans and leases to deposits
95.22%Net loans and leases to core deposits
99.42%Equity capital to assets
7.41%Core capital (leverage) ratio
7.79%Tier 1 risk-based capital ratio
9.12%Total risk-based capital ratio
Memoranda
$10Average assets
$371,149Average earning assets
$30,903Average equity
$343,326Average loans

SunTrust Bank, Northwest Georgia, National Association in Rome, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

SunTrust Bank, Northwest Georgia, National Association - Overview

Assets and Liabilities (December 31, 1999)

Income and Expense (December 31, 1999)

Performance and Condition Ratios (December 31, 1999)

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

SunTrust Bank, Northwest Georgia, National Association in Rome, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

SunTrust Bank, Northwest Georgia, National Association - Overview

Assets and Liabilities (December 31, 1999)

Income and Expense (December 31, 1999)

Performance and Condition Ratios (December 31, 1999)

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

SunTrust Bank, Northwest Georgia, National Association in Rome, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches