The National Bank of Walton County in Monroe, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 15, 2008

  • The National Bank of Walton County in Monroe, Georgia (GA)
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The National Bank of Walton County - Overview

  • General
  • FDIC Certificate #: 14039
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: AFB&T (#28225)
    Federal Reserve ID: 802736
    Date Established: January 01, 1891
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 8776
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 15, 2008
    Last Structure Change Process Date: October 21, 2008
    Last Data Update: October 21, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 140 East Washington Street, Monroe, GA 30655
    County: Walton
    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: $248.3 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, 2007)

  • Dollar figures in thousands
  • 62Total employees (full-time equivalent)
  • $251,619Total assets
  • $4,281Cash and due from depository institutions
  • $24Interest-bearing balances
  • $29,740Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $208,895Net loans & leases
  • $2,647Loan loss allowance
  • $0Trading account assets
  • $1,877Bank premises and fixed assets
  • $1,499Other real estate owned
  • $0Goodwill and other intangibles
  • $1,338Life insurance assets
  • $5,327All other assets
  • $251,619Total liabilities and capital
  • $231,008Total liabilities
  • $202,360Total deposits
  • $189,218Interest-bearing deposits
  • $202,360Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $21,162Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,000Other borrowed funds
  • $0Subordinated debt
  • $2,486All other liabilities
  • $20,611Total equity capital
  • $20,611Total bank equity capital
  • $20,611Perpetual preferred stock
  • $0Common stock
  • $810Surplus
  • $1,425Undivided profits
  • Memoranda
  • $18,376Noncurrent loans and leases
  • $34,516Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $213Earning assets
  • $0Long-term assets (5+ years)
  • $1,574Average Assets, year-to-date
  • $238,659Average Assets, quarterly
  • $15,383Volatile liabilities
  • $250,593Insider loans
  • $253,053FHLB advances
  • $67,748Loans and leases held for sale
  • $7,019Unused loan commitments
  • $5,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $372Total risk weighted assets
  • $34,516Total unused commitments
  • $0Restructured Loans and leases
  • $2,647Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $18,111Total interest income
  • $7,779Total interest expense
  • $10,332Net interest income
  • $652Provision for loan and lease losses
  • $2,291Total noninterest income
  • $0Fiduciary activities
  • $1,778Service charges on deposit accounts
  • $0Trading account gains & fees
  • $513Additional noninterest income
  • $6,063Total noninterest expense
  • $3,207Salaries and employee benefits
  • $538Premises and equipment expense
  • $2,318Additional noninterest expense
  • $5,908Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,171Applicable income taxes
  • $3,737Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,737Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $579Sale, conversion, retirement of capital stock, net
  • $3,792Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.63%Yield on earning assets
  • 3.28%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 2.56%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 2.36%Pretax return on assets
  • 18.51%Return on equity (ROE)
  • -0.27%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 112.61%Credit loss provision to net charge-offs
  • 11.33%Efficiency ratio
  • 48,031Assets per employee
  • 4.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 101.47%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 1242.72%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 103.23%Net loans and leases to core deposits
  • 134.10%Equity capital to assets
  • 8.19%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 9.46%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $250,593Average earning assets
  • $20,193Average equity
  • $237,239Average loans

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