Vitals
  • Total Assets
    2.6B 9.0 %
  • Total Deposits
    1.7B -1.9 %
  • Total Net Loans
    1.7B -1.2 %
  • Net Income
    3.4M -77.8 %
  • Book Value
    637.4M 99.5 %
  • Book Value x2
    1.3B 99.5 %
  • Book Value x3
    1.9B 99.5 %
ROAA

1.743

ROAE

9.691

Efficiency Ratio

52.331

Net Interest Margin

4.708

Balance Sheet Highlights
Financial Highlights Main Street Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 2,570,248 193,542
Total Net Loans 1,726,116 145,885
Total Deposits 1,651,674 162,305
Total Equity 637,429 18,942
Profitability
Net Income 3,427 6,227
Return on Average Assets 1.743 1.537
Return on Average Equity 9.691 15.738
Net Interest Margin 4.708 4.695
Efficiency Ratio 52.331 61.045
Noninterest Income/Revenue 8.781 10.365
Balance Sheet Ratios
Loan-to-Deposit 104.507 86.247
Securities/Assets .003 .238
Total Equity/Total Assets .248 .098
Tangible Equity/Tangible Assets .077 -.925
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 197,561 18,426
Tier 2 Capital 23,134 1,851
Total Capital 220,695 20,230
Total Risk Weighted Assets 1,888,541 153,823
Leverage Ratio 9.82 11.01
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.46 14.326
Total Capital Ratio 11.69 15.487

Timeline for Main Street Bank

Branch Banking And Trust Company

Main Street Bank was acquired by Branch Banking And Trust Company 17 years

View Profile Sep 16 2006

Bb&T Corporation

Bb&T Corporation became a new parent organization for Main Street Bank.

View Profile Jun 01 2006

First Colony Bank

Acquisition: Main Street Bank acquired a new subsidiary, First Colony Bank, 20 years

View Profile Jun 23 2003

First National Bank Of Johns Creek

Acquisition: Main Street Bank acquired a new subsidiary, First National Bank Of Johns Creek, 21 years

View Profile Dec 12 2002

Msb Holdings, Inc.

Msb Holdings, Inc. became a new subsidiary organization for Main Street Bank.

View Profile Oct 01 2001

Want to see more?

Complete timeline for Main Street Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Branch Banking And Trust Company Buyer 217,378,053 Acquisition Discontinued 9/16/2006
First Colony Bank Seller 318,797 Pooling of Interests Discontinued 6/23/2003
First National Bank Of Johns Creek Seller 106,752 Acquisition Discontinued 12/12/2002
Walton Bank & Trust Co. Seller 61,778 Pooling of Interests Discontinued 1/25/2001
The Eastside Bank & Trust Company Seller 132,473 Pooling of Interests Discontinued 12/29/2000
The Westside Bank & Trust Company Seller 141,364 Pooling of Interests Discontinued 12/29/2000
Community Bank Of Georgia Seller 115,125 Pooling of Interests Discontinued 12/29/2000
Main Street Bank Seller 166,360 Pooling of Interests Discontinued 12/12/1996
Relationships Role Relationship Start Relationship End
Bb&T Corporation Parent 6/1/2006 9/15/2006
Main Street Banks, Inc. Parent 5/24/2000 5/31/2006
Main Street Banks, Inc. Parent 12/30/1988 5/23/2000
Msb Holdings, Inc. Subsidary 10/1/2001 9/15/2006
Eastside Financial Services, Inc. Subsidary 12/29/2000 6/10/2002
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