Vitals
  • Total Assets
    299.1M 6.6 %
  • Total Deposits
    250.1M 7.3 %
  • Total Net Loans
    224.3M -0.8 %
  • Net Income
    1.5M 1.8 %
  • Book Value
    23.4M 2.4 %
  • Book Value x2
    46.8M 2.4 %
  • Book Value x3
    70.2M 2.4 %
ROAA

1.045

ROAE

13.027

Efficiency Ratio

60.344

Net Interest Margin

4.418

Balance Sheet Highlights
Financial Highlights Charter Bank And Trust Co. All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 299,087 156,558
Total Net Loans 224,286 116,317
Total Deposits 250,061 127,528
Total Equity 23,396 14,824
Profitability
Net Income 1,505 4,333
Return on Average Assets 1.045 1.308
Return on Average Equity 13.027 13.595
Net Interest Margin 4.418 4.329
Efficiency Ratio 60.344 64.229
Noninterest Income/Revenue 12.59 13.757
Balance Sheet Ratios
Loan-to-Deposit 89.693 84.79
Securities/Assets .129 .24
Total Equity/Total Assets .078 .095
Tangible Equity/Tangible Assets .078 -.249
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 23,930 14,450
Tier 2 Capital 3,127 1,504
Total Capital 27,057 15,912
Total Risk Weighted Assets 249,620 120,402
Leverage Ratio 8.2 9.93
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.59 13.471
Total Capital Ratio 10.84 14.66

Timeline for Charter Bank And Trust Co.

Bank Of North Georgia

Charter Bank And Trust Co. was acquired by Bank Of North Georgia 19 years

View Profile Jul 19 2004

Synovus Financial Corp.

Synovus Financial Corp. became a new parent organization for Charter Bank And Trust Co..

View Profile Sep 30 1999

Merit Holding Corporation

Merit Holding Corporation became a new parent organization for Charter Bank And Trust Co..

View Profile Dec 30 1994

Charter Bank And Trust Co.

Charter Bank And Trust Co. was established 35 years ago and is currently headquartered in Marietta, GA.

Feb 03 1989
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of North Georgia Buyer 4,673,717 Pooling of Interests Discontinued 7/19/2004
Relationships Role Relationship Start Relationship End
Synovus Financial Corp. Parent 9/30/1999 7/18/2004
Merit Holding Corporation Parent 12/30/1994 9/29/1999
Similar Organizations
Organization City State Total Assets
First Century Bank
 		Tazewell TN 297.4M
Gateway Bank Of Florida
 		Daytona Beach FL 301.3M
Premierbank
 		Fort Atkinson WI 303.4M
Guardian Bank
 		Valdosta GA 304.7M
Grinnell State Bank
 		Grinnell IA 305.1M
Municipal Trust And Savings Bank
 		Bourbonnais IL 305.2M
St. Landry Bank And Trust Company
 		Opelousas LA 292.6M
First Citrus Bank
 		Tampa FL 305.8M
Usny Bank
 		Geneva NY 298.7M
Peoples Bank Of Commerce
 		Cambridge MN 299.7M