FDIC Certificate #: 34780 Status: Active Federal Reserve ID: 2689463 Bank Holding Company (Regulatory Top Holder): Bb&T Corporation (RSSDID: 1074156, Location: Winston-Salem, NC) Date Established: July 01, 1998 WWW:http://www.bbt.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 18095 FDIC's unique #: 61553 Numeric code: 37 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Credit Card Institutions: Yes FDIC Insured: Yes Insured Savings Institution: 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: Credit-Card Specialization Date of Deposit Insurance: July 01, 1998 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 4 Bradley Park Court, Suite 1c, Columbus, GA 31904 County: Muscogee Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Atlanta Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Columbus, GA-AL (#1800) Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194) Core Based Statistical Area (CBSA): Columbus, GA-AL (#17980) CBSA Metro Statistical Area: Columbus, GA-AL (#17980)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $2,746.9 mil Equity capital: $515.8 mil Deposits held in domestic offices: $1,092.6 mil Return on assets (ROA): 4.69% ($128.8 mil) Quarterly return on assets: 4.34% ($119.2 mil) Return on Equity (ROE): 27.05% ($139.6 mil) Quarterly return on equity: 23.24% ($119.9 mil) Net income: $122.6 mil Quarterly Net income: $29.1 mil Pretax return on assets: 7.45% ($204,641.7 mil) Quarterly Pretax return on assets: 7.09% ($194,752.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
397Total employees (full-time equivalent)
$2,746,868Total assets
$1,190Cash and due from depository institutions
$554Interest-bearing balances
$191,500Securities
$12,476Federal funds sold & reverse repurchase agreements
$2,285,844Net loans & leases
$113,166Loan loss allowance
$0Trading account assets
$809Bank premises and fixed assets
$0Other real estate owned
$24,076Goodwill and other intangibles
$2,746,868Life insurance assets
$230,973All other assets
$2,231,025Total liabilities and capital
$1,092,569Total liabilities
$1,032,790Total deposits
$1,092,569Interest-bearing deposits
$96Deposits held in domestic offices
923665.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$150,000Trading liabilities
$0Other borrowed funds
$64,791Subordinated debt
$515,843All other liabilities
$515,843Total equity capital
$515,843Total bank equity capital
$0Perpetual preferred stock
$2,000Common stock
$133,365Surplus
$380,478Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$16,384Income earned, not collected on loans
$0Earning assets
$7,332Long-term assets (5+ years)
$2,490,374Average Assets, year-to-date
$424,397Average Assets, quarterly
$2,615,676Volatile liabilities
$2,686,025Insider loans
$2,589,101FHLB advances
$2,629,587Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$489,604Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,206,114Restructured Loans and leases
$3,394Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$184,094Total interest income
$19,821Total interest expense
$164,273Net interest income
$74,212Provision for loan and lease losses
$231,555Total noninterest income
$0Fiduciary activities
$443Service charges on deposit accounts
$0Trading account gains & fees
$231,112Additional noninterest income
$126,731Total noninterest expense
$27,139Salaries and employee benefits
$2,086Premises and equipment expense
$97,506Additional noninterest expense
$194,885Pre-tax net operating income
$0Securities gains (losses)
$72,279Applicable income taxes
$122,606Income before extraordinary items
$0Extraordinary gains - net
$122,606Net income attributable to bank
$0Net charge-offs
$122,606Cash dividends
$69,470Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.70%Yield on earning assets
0.83%Cost of funding earning assets
6.87%Net interest margin
9.68%Noninterest income to earning assets
5.30%Noninterest expense to earning assets
4.69%Net operating income to assets
4.69%Return on assets (ROA)
7.45%Pretax return on assets
27.05%Return on equity (ROE)
27.05%Retained earnings to average equity (YTD only)
3.01%Net charge-offs to loans
106.83%Credit loss provision to net charge-offs
3.87%Efficiency ratio
31,837Assets per employee
6.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.72%Loss allowance to noncurrent loans
690.71%Noncurrent assets plus other real estate owned to assets
0.60%Noncurrent loans to loans
0.68%Net loans and leases to deposits
209.22%Net loans and leases to core deposits
2048.05%Equity capital to assets
18.78%Core capital (leverage) ratio
18.62%Tier 1 risk-based capital ratio
18.91%Total risk-based capital ratio
Memoranda
$20Average assets
$2,615,676Average earning assets
$453,268Average equity
$2,391,790Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
61553
Bb&T Financial, Fsb
4 Bradley Park Court, Suite 1c, Columbus, GA 31904
July 01, 1998
Full Service Brick and Mortar
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