The Northside Bank & Trust Company in Roswell, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 15, 1996

  • The Northside Bank & Trust Company in Roswell, Georgia (GA)
  • Show street view No street view available for this location

The Northside Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 26997
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SouthTrust Bank of Georgia, National Association (#26382)
    Federal Reserve ID: 291938
    Date Established: July 13, 1987
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 11194
    FDIC's unique #: 36429
    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: July 13, 1987
    Last Structure Change Effective Date: April 15, 1996
    Last Structure Change Process Date: April 25, 1996
    Last Data Update: April 25, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 11180 Alpharetta Highway, Roswell, GA 30076
    County: Fulton
    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: $136.5 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)
  • $31Total assets
  • $98,848Cash and due from depository institutions
  • $30,694Interest-bearing balances
  • $0Securities
  • $16,022Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $46,234Loan loss allowance
  • $1,086Trading account assets
  • $0Bank premises and fixed assets
  • $4,128Other real estate owned
  • $603Goodwill and other intangibles
  • $1,167Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $98,848Total liabilities
  • $84,792Total deposits
  • $84,195Interest-bearing deposits
  • $68,307Deposits held in domestic offices
  • 84195.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $597Total equity capital
  • $597Total bank equity capital
  • $14,056Perpetual preferred stock
  • $0Common stock
  • $5,000Surplus
  • $7,101Undivided profits
  • Memoranda
  • $1,955Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $337Income earned, not collected on loans
  • $403Earning assets
  • $62,256Long-term assets (5+ years)
  • $7,180Average Assets, year-to-date
  • $102,865Average Assets, quarterly
  • $101,788Volatile liabilities
  • $9,186Insider loans
  • $10FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $11,306Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $13,533Total risk weighted assets
  • $62,715Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $8,092Total interest expense
  • $3,800Net interest income
  • $4,292Provision for loan and lease losses
  • $281Total noninterest income
  • $787Fiduciary activities
  • $0Service charges on deposit accounts
  • $447Trading account gains & fees
  • $0Additional noninterest income
  • $340Total noninterest expense
  • $3,777Salaries and employee benefits
  • $1,679Premises and equipment expense
  • $606Additional noninterest expense
  • $1,492Pre-tax net operating income
  • $1,021Securities gains (losses)
  • $0Applicable income taxes
  • $346Income before extraordinary items
  • $675Extraordinary gains - net
  • $0Net income attributable to bank
  • $675Net charge-offs
  • $273Cash dividends
  • $0Sale, 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
  • 9.25%Cost of funding earning assets
  • 4.34%Net interest margin
  • 4.91%Noninterest income to earning assets
  • 0.90%Noninterest expense to earning assets
  • 4.32%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 0.99%Return on equity (ROE)
  • 5.31%Retained earnings to average equity (YTD only)
  • 5.31%Net charge-offs to loans
  • 0.45%Credit loss provision to net charge-offs
  • 102.93%Efficiency ratio
  • 74,365Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.30%Loss allowance to noncurrent loans
  • 322.26%Noncurrent assets plus other real estate owned to assets
  • 0.95%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 54.91%Net loans and leases to core deposits
  • 61.64%Equity capital to assets
  • 14.22%Core capital (leverage) ratio
  • 13.40%Tier 1 risk-based capital ratio
  • 21.58%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $102,865Average earning assets
  • $12,706Average equity
  • $87,490Average loans

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 The Northside Bank & Trust Company.
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