Home > Citizens Bank of Gwinnett > Assets and Liabilities
Citizens Bank of Gwinnett, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 67 | 2,698 |
| Assets and Liabilities | ||
| Total Assets: | $167,238,000 | 2,674 |
| Cash and due from depository institutions | $6,731,000 | 2,698 |
| Interest-bearing balances | $100,000 | 4,537 |
| Securities | $29,625,000 | 3,675 |
| Federal funds sold & reverse repurchase agreements | $6,510,000 | 2,113 |
| Net loans & leases | $116,766,000 | 2,386 |
| Loan loss allowance | $1,505,000 | 2,331 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $5,609,000 | 1,388 |
| Other real estate owned | $149,000 | 2,698 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,848,000 | 3,744 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $167,238,000 | 2,674 |
| Total liabilities | $154,634,000 | 2,608 |
| Total deposits | $152,642,000 | 2,460 |
| Interest-bearing deposits | $123,389,000 | 2,600 |
| Deposits held in domestic offices | $152,642,000 | 2,452 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $45,000 | 4,933 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,947,000 | 2,080 |
| Total equity capital | $12,604,000 | 3,512 |
| Total bank equity capital | $12,604,000 | 3,512 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,500,000 | 1,450 |
| Surplus | $6,650,000 | 2,209 |
| Undivided profits | $3,454,000 | 5,603 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $580,000 | 3,688 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $800,000 | 2,886 |
| Earning assets | $153,001,000 | 2,684 |
| Long-term assets (5+ years) | $35,744,000 | 1,832 |
| Average Assets, year-to-date | $161,121,200 | 2,656 |
| Average Assets, quarterly | $164,972,000 | 2,667 |
| Volatile liabilities | $26,583,000 | 2,351 |
| Insider loans | $3,003,000 | 1,424 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $26,020,000 | 1,740 |
| Tier 1 (core) risk-based capital | $12,263,000 | 3,451 |
| Tier 2 risk-based capital | $1,505,000 | 1,996 |
| Total risk weighted assets | $135,443,700 | 2,065 |
| Total unused commitments | $26,020,000 | 1,744 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 69 | 2,753 |
| Assets and Liabilities | ||
| Total Assets: | $157,269,000 | 2,916 |
| Cash and due from depository institutions | $3,978,000 | 2,753 |
| Interest-bearing balances | $100,000 | 4,564 |
| Securities | $51,373,000 | 2,386 |
| Federal funds sold & reverse repurchase agreements | $8,501,000 | 1,515 |
| Net loans & leases | $86,309,000 | 3,167 |
| Loan loss allowance | $1,035,000 | 3,405 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $5,164,000 | 1,532 |
| Other real estate owned | $202,000 | 2,753 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,742,000 | 4,084 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $157,269,000 | 2,916 |
| Total liabilities | $147,016,000 | 2,833 |
| Total deposits | $145,344,000 | 2,657 |
| Interest-bearing deposits | $119,933,000 | 2,756 |
| Deposits held in domestic offices | $145,344,000 | 2,648 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $181,000 | 4,612 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,491,000 | 2,597 |
| Total equity capital | $10,253,000 | 4,260 |
| Total bank equity capital | $10,253,000 | 4,260 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,500,000 | 1,513 |
| Surplus | $5,650,000 | 2,559 |
| Undivided profits | $2,103,000 | 7,126 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $114,000 | 7,869 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $536,000 | 4,314 |
| Earning assets | $146,283,000 | 2,887 |
| Long-term assets (5+ years) | $29,240,000 | 2,012 |
| Average Assets, year-to-date | $135,426,000 | 3,200 |
| Average Assets, quarterly | $154,607,500 | 2,931 |
| Volatile liabilities | $20,919,000 | 2,804 |
| Insider loans | $2,553,000 | 1,679 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $18,689,000 | 2,164 |
| Tier 1 (core) risk-based capital | $10,304,000 | 4,148 |
| Tier 2 risk-based capital | $1,035,000 | 2,878 |
| Total risk weighted assets | $108,705,700 | 2,581 |
| Total unused commitments | $18,689,000 | 2,177 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 56 | 3,475 |
| Assets and Liabilities | ||
| Total Assets: | $108,174,000 | 4,108 |
| Cash and due from depository institutions | $3,607,000 | 3,475 |
| Interest-bearing balances | $100,000 | 4,830 |
| Securities | $36,347,000 | 3,486 |
| Federal funds sold & reverse repurchase agreements | $65,000 | 9,216 |
| Net loans & leases | $63,134,000 | 4,085 |
| Loan loss allowance | $784,000 | 4,313 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $3,675,000 | 2,113 |
| Other real estate owned | $202,000 | 3,475 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,144,000 | 5,795 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $108,174,000 | 4,108 |
| Total liabilities | $99,157,000 | 4,037 |
| Total deposits | $97,106,000 | 3,921 |
| Interest-bearing deposits | $78,950,000 | 4,142 |
| Deposits held in domestic offices | $97,106,000 | 3,911 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $680,000 | 2,931 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $319,000 | 3,753 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,052,000 | 3,500 |
| Total equity capital | $9,017,000 | 4,730 |
| Total bank equity capital | $9,017,000 | 4,730 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,500,000 | 1,550 |
| Surplus | $4,900,000 | 2,901 |
| Undivided profits | $1,617,000 | 8,100 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $104,000 | 8,191 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $443,000 | 5,316 |
| Earning assets | $99,646,000 | 4,092 |
| Long-term assets (5+ years) | $17,111,000 | 2,812 |
| Average Assets, year-to-date | $90,042,800 | 4,651 |
| Average Assets, quarterly | $104,489,500 | 4,194 |
| Volatile liabilities | $18,346,000 | 2,825 |
| Insider loans | $2,415,000 | 1,811 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $13,297,000 | 2,654 |
| Tier 1 (core) risk-based capital | $8,968,000 | 4,619 |
| Tier 2 risk-based capital | $784,000 | 3,639 |
| Total risk weighted assets | $76,098,500 | 3,469 |
| Total unused commitments | $13,297,000 | 2,665 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 38 | 5,090 |
| Assets and Liabilities | ||
| Total Assets: | $74,852,000 | 5,630 |
| Cash and due from depository institutions | $2,016,000 | 5,090 |
| Interest-bearing balances | $397,000 | 3,614 |
| Securities | $20,058,000 | 5,864 |
| Federal funds sold & reverse repurchase agreements | $955,000 | 5,639 |
| Net loans & leases | $47,837,000 | 5,073 |
| Loan loss allowance | $774,000 | 4,459 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,629,000 | 2,811 |
| Other real estate owned | $156,000 | 5,090 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,201,000 | 5,918 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $74,852,000 | 5,630 |
| Total liabilities | $66,969,000 | 5,660 |
| Total deposits | $65,762,000 | 5,514 |
| Interest-bearing deposits | $52,315,000 | 5,869 |
| Deposits held in domestic offices | $65,762,000 | 5,507 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $454,000 | 3,829 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $753,000 | 3,788 |
| Total equity capital | $7,883,000 | 5,003 |
| Total bank equity capital | $7,883,000 | 5,003 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,500,000 | 1,583 |
| Surplus | $3,900,000 | 3,433 |
| Undivided profits | $1,483,000 | 8,056 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,000 | 11,209 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $314,000 | 6,344 |
| Earning assets | $69,247,000 | 5,582 |
| Long-term assets (5+ years) | $3,897,000 | 6,704 |
| Average Assets, year-to-date | $75,383,600 | 5,475 |
| Average Assets, quarterly | $74,765,000 | 5,588 |
| Volatile liabilities | $7,292,000 | 5,416 |
| Insider loans | $2,199,000 | 1,901 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $7,960,000 | 3,671 |
| Tier 1 (core) risk-based capital | $8,448,000 | 4,766 |
| Tier 2 risk-based capital | $700,830 | 3,989 |
| Total risk weighted assets | $55,992,930 | 4,492 |
| Total unused commitments | $7,960,000 | 3,678 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 37 | 5,435 |
| Assets and Liabilities | ||
| Total Assets: | $75,728,000 | 5,683 |
| Cash and due from depository institutions | $5,207,000 | 5,435 |
| Interest-bearing balances | $2,874,000 | 1,907 |
| Securities | $17,786,000 | 6,648 |
| Federal funds sold & reverse repurchase agreements | $4,709,000 | 2,969 |
| Net loans & leases | $44,640,000 | 5,278 |
| Loan loss allowance | $691,000 | 5,017 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,631,000 | 2,784 |
| Other real estate owned | $106,000 | 5,435 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $649,000 | 8,153 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $75,728,000 | 5,683 |
| Total liabilities | $68,158,000 | 5,721 |
| Total deposits | $66,824,000 | 5,619 |
| Interest-bearing deposits | $55,838,000 | 5,781 |
| Deposits held in domestic offices | $66,824,000 | 5,610 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $614,000 | 3,189 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $720,000 | 4,052 |
| Total equity capital | $7,570,000 | 5,239 |
| Total bank equity capital | $7,570,000 | 5,239 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,477,000 | 1,685 |
| Surplus | $3,900,000 | 3,389 |
| Undivided profits | $1,193,000 | 9,071 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $640,000 | 4,234 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $258,000 | 6,834 |
| Earning assets | $70,009,000 | 5,653 |
| Long-term assets (5+ years) | $3,199,000 | 7,641 |
| Average Assets, year-to-date | $73,830,200 | 5,663 |
| Average Assets, quarterly | $75,411,000 | 5,664 |
| Volatile liabilities | $8,711,000 | 4,544 |
| Insider loans | $2,984,000 | 1,396 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $5,857,000 | 4,450 |
| Tier 1 (core) risk-based capital | $7,570,000 | 5,161 |
| Tier 2 risk-based capital | $641,510 | 4,265 |
| Total risk weighted assets | $51,271,010 | 4,778 |
| Total unused commitments | $5,857,000 | 4,475 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 37 | 5,527 |
| Assets and Liabilities | ||
| Total Assets: | $72,657,000 | 5,955 |
| Cash and due from depository institutions | $4,608,000 | 5,527 |
| Interest-bearing balances | $2,223,000 | 2,539 |
| Securities | $13,071,000 | 7,964 |
| Federal funds sold & reverse repurchase agreements | $6,114,000 | 2,711 |
| Net loans & leases | $44,703,000 | 5,266 |
| Loan loss allowance | $646,000 | 5,332 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,781,000 | 2,649 |
| Other real estate owned | $659,000 | 5,527 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $721,000 | 7,923 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $72,657,000 | 5,955 |
| Total liabilities | $65,758,000 | 5,980 |
| Total deposits | $64,209,000 | 5,909 |
| Interest-bearing deposits | $54,634,000 | 6,020 |
| Deposits held in domestic offices | $64,209,000 | 5,900 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $750,000 | 2,801 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $799,000 | 3,928 |
| Total equity capital | $6,899,000 | 5,447 |
| Total bank equity capital | $6,899,000 | 5,447 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,477,000 | 1,735 |
| Surplus | $2,900,000 | 4,139 |
| Undivided profits | $1,522,000 | 8,337 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,050,000 | 3,562 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $333,000 | 5,984 |
| Earning assets | $66,111,000 | 5,967 |
| Long-term assets (5+ years) | $5,194,000 | 6,386 |
| Average Assets, year-to-date | $70,824,000 | 5,942 |
| Average Assets, quarterly | $70,610,500 | 6,042 |
| Volatile liabilities | $7,923,000 | 4,851 |
| Insider loans | $358,000 | 2,507 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $4,906,000 | 4,670 |
| Tier 1 (core) risk-based capital | $6,899,000 | 5,385 |
| Tier 2 risk-based capital | $634,050 | 4,285 |
| Total risk weighted assets | $50,712,050 | 4,873 |
| Total unused commitments | $4,906,000 | 4,696 |
| Derivatives | $0 | 651 |