Vitals
  • Total Assets
    486.3M -0.7 %
  • Total Deposits
    367.7M -1.1 %
  • Total Net Loans
    334.6M -4.1 %
  • Net Income
    1.5M -56.6 %
  • Book Value
    96.9M -1.7 %
  • Book Value x2
    193.8M -1.7 %
  • Book Value x3
    290.7M -1.7 %
ROAA

.621

ROAE

3.106

Efficiency Ratio

56.682

Net Interest Margin

4.646

Balance Sheet Highlights
Financial Highlights First Nation Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 486,347 212,703
Total Net Loans 334,630 160,222
Total Deposits 367,735 178,001
Total Equity 96,895 21,309
Profitability
Net Income 1,523 6,567
Return on Average Assets .621 1.414
Return on Average Equity 3.106 13.467
Net Interest Margin 4.646 4.402
Efficiency Ratio 56.682 63.216
Noninterest Income/Revenue 12.47 8.628
Balance Sheet Ratios
Loan-to-Deposit 90.998 86.343
Securities/Assets .111 .212
Total Equity/Total Assets .199 .1
Tangible Equity/Tangible Assets .072 -.729
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 36,781 20,360
Tier 2 Capital 4,795 2,031
Total Capital 41,576 22,371
Total Risk Weighted Assets 381,454 170,733
Leverage Ratio 8.59 10.703
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.64 13.682
Total Capital Ratio 10.9 14.828

Timeline for First Nation Bank

Bank Of North Georgia

First Nation Bank was acquired by Bank Of North Georgia 16 years

View Profile Sep 10 2007

Synovus Financial Corp.

Synovus Financial Corp. became a new parent organization for First Nation Bank.

View Profile Feb 27 2003

The Citizens Bank Of Newton County

Acquisition: First Nation Bank acquired a new subsidiary, The Citizens Bank Of Newton County, 32 years

View Profile Nov 07 1991

Fnb Newton Bankshares, Inc.

Fnb Newton Bankshares, Inc. became a new parent organization for First Nation Bank.

View Profile Dec 31 1984

First Nation Bank

First Nation Bank was established 60 years ago and is currently headquartered in Covington, GA.

Aug 28 1963
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of North Georgia Buyer 4,673,717 Pooling of Interests Discontinued 9/10/2007
The Citizens Bank Of Newton County Seller 7,014 Discontinued 11/7/1991
Relationships Role Relationship Start Relationship End
Synovus Financial Corp. Parent 2/27/2003 9/9/2007
Fnb Newton Bankshares, Inc. Parent 12/31/1984 2/26/2003
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