AB&T NATIONAL BANK in Albany, Georgia (GA), AL
Overview, Financial Summary, Detailed Financial Reports, Branches


  • AB&T NATIONAL BANK in Albany, Georgia (GA), AL
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AB&T NATIONAL BANK routing number info

AB&T NATIONAL BANK - Overview

  • General
  • FDIC Certificate #: 35029
    Status: Active
    Federal Reserve ID: 2775151
    Bank Holding Company (Regulatory Top Holder): Community Capital Bancshares, Inc. (RSSDID: 2775142, Location: Albany, GA)
    Date Established: April 28, 1999
    WWW: http://www.abtgold.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: Yes)
    FDIC's unique #: 73853
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 28, 1999
    Last Structure Change Effective Date: March 31, 2009
    Last Structure Change Process Date: April 08, 2009
    Last Data Update: April 08, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 2815 Meredyth Drive, Albany, GA 31708
    County: Dougherty
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Albany, GA (#120)
    Core Based Statistical Area (CBSA): Albany, GA (#10500)
    CBSA Metro Statistical Area: Albany, GA (#10500)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Name Change
  • Financial Summary
  • Total assets: $148.5 mil
    Equity capital: $10.9 mil
    Deposits held in domestic offices: $123.4 mil
    Return on assets (ROA): -0.44% (-$0.7 mil)
    Quarterly return on assets: -1.26% (-$1.9 mil)
    Return on Equity (ROE): -5.59% (-$0.6 mil)
    Quarterly return on equity: -16.38% (-$1.8 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -0.44% (-$653.4 mil)
    Quarterly Pretax return on assets: -1.26% (-$1,871.1 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 57Total employees (full-time equivalent)
  • $148,499Total assets
  • $17,446Cash and due from depository institutions
  • $16,141Interest-bearing balances
  • $19,177Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $102,457Net loans & leases
  • $2,142Loan loss allowance
  • $0Trading account assets
  • $5,558Bank premises and fixed assets
  • $1,540Other real estate owned
  • $0Goodwill and other intangibles
  • $148,499Life insurance assets
  • $2,321All other assets
  • $137,635Total liabilities and capital
  • $123,362Total liabilities
  • $100,155Total deposits
  • $123,362Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 7720.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,390Trading liabilities
  • $0Other borrowed funds
  • $163Subordinated debt
  • $10,864All other liabilities
  • $10,864Total equity capital
  • $10,864Total bank equity capital
  • $0Perpetual preferred stock
  • $3,750Common stock
  • $25,729Surplus
  • $-18,615Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,452Income earned, not collected on loans
  • $0Earning assets
  • $416Long-term assets (5+ years)
  • $137,775Average Assets, year-to-date
  • $24,207Average Assets, quarterly
  • $143,757Volatile liabilities
  • $144,960Insider loans
  • $107,875FHLB advances
  • $143,597Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,868Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,352Restructured Loans and leases
  • $5,299Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,427Total interest income
  • $1,512Total interest expense
  • $4,915Net interest income
  • $930Provision for loan and lease losses
  • $1,404Total noninterest income
  • $591Fiduciary activities
  • $394Service charges on deposit accounts
  • $0Trading account gains & fees
  • $419Additional noninterest income
  • $6,546Total noninterest expense
  • $3,780Salaries and employee benefits
  • $989Premises and equipment expense
  • $1,777Additional noninterest expense
  • -$1,157Pre-tax net operating income
  • $518Securities gains (losses)
  • $0Applicable income taxes
  • -$639Income before extraordinary items
  • $0Extraordinary gains - net
  • -$639Net income attributable to bank
  • $0Net charge-offs
  • -$639Cash dividends
  • $1,241Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.70%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 4.93%Noninterest expense to earning assets
  • -0.80%Net operating income to assets
  • -0.44%Return on assets (ROA)
  • -0.44%Pretax return on assets
  • -5.59%Return on equity (ROE)
  • -5.59%Retained earnings to average equity (YTD only)
  • 1.21%Net charge-offs to loans
  • 74.94%Credit loss provision to net charge-offs
  • -0.18%Efficiency ratio
  • 103,592Assets per employee
  • 2.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 87.36%Noncurrent assets plus other real estate owned to assets
  • 2.69%Noncurrent loans to loans
  • 2.34%Net loans and leases to deposits
  • 83.05%Net loans and leases to core deposits
  • 85.72%Equity capital to assets
  • 7.32%Core capital (leverage) ratio
  • 7.57%Tier 1 risk-based capital ratio
  • 10.07%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $143,757Average earning assets
  • $11,435Average equity
  • $132,892Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $57,965Managed Assets
  • 1Number of Accounts
  • $51,221Personal trust and agency accounts
  • $50,558Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $475Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $188Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 47Number of Accounts
  • $0Personal trust and agency accounts
  • $475Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,744Other retirement accounts
  • $5,517Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,227Fiduciary accounts held in foreign offices

List of branches

  • 1 Alabama Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    6443438Auburn Branch1943 East Glenn Avenue, Auburn, AL 36830October 15, 2004Full Service Brick and Mortar
  • 4 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    073853Ab&T National Bank2815 Meredyth Drive, Albany, GA 31708April 28, 1999Full Service Brick and Mortar
    1290879Messenger Service Branch2815 Meredyth Drive, Albany, GA 31707May 20, 1999Limited Service Messenger
    2364063Lee County Branch1204-A Highway 19 South, Leesburg, GA 31763June 01, 2002Full Service Brick and Mortar
    4428139Downtown Branch241 Pine Avenue, Albany, GA 31701April 29, 2004Full Service Brick and Mortar

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