CB&T Bank of Middle Georgia in city_name, state_name - Detailed Financial Reports, Location

CB&T Bank of Middle Georgia in Warner Robins, Georgia (GA)
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CB&T Bank of Middle Georgia - Overview

General
FDIC Certificate #: 25804
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Synovus Bank (#873)
Federal Reserve ID: 23036
Date Established: January 04, 1985
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Interstate: No)
FDIC's unique #: 32033
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: January 04, 1985
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 14, 2010
Last Data Update: June 14, 2010
Data Source Date: April 05, 2012
Location
Address: 1444 Watson Boulevard, Warner Robins, GA 31093
County: Houston
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): Macon, GA (#4680)
Combined Statistical Area (CSA): Macon-Warner Robins-Fort Valley, GA (#356)
Core Based Statistical Area (CBSA): Warner Robins, GA (#47580)
CBSA Metro Statistical Area: Warner Robins, GA (#47580)
Financial Summary
Total assets: $499.7 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, 2009)

Dollar figures in thousands
85Total employees (full-time equivalent)
$531,106Total assets
$12,915Cash and due from depository institutions
$4,761Interest-bearing balances
$79,395Securities
$62,383Federal funds sold & reverse repurchase agreements
$344,671Net loans & leases
$13,839Loan loss allowance
$0Trading account assets
$7,447Bank premises and fixed assets
$5,474Other real estate owned
$0Goodwill and other intangibles
$852Life insurance assets
$18,821All other assets
$531,106Total liabilities and capital
$471,518Total liabilities
$464,805Total deposits
$408,716Interest-bearing deposits
$464,805Deposits held in domestic offices
82.89%% insured (estimated)
$4,530Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$2,183All other liabilities
$59,588Total equity capital
$59,588Total bank equity capital
$59,588Perpetual preferred stock
$0Common stock
$1,712Surplus
$66,506Undivided profits
Memoranda
$-8,630Noncurrent loans and leases
$20,589Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$29,474Earning assets
$0Long-term assets (5+ years)
$2,074Average Assets, year-to-date
$491,210Average Assets, quarterly
$71,377Volatile liabilities
$581,140Insider loans
$546,730FHLB advances
$96,890Loans and leases held for sale
$12,876Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$20,589Total unused commitments
$6,814Restructured Loans and leases
$4,878Derivatives

Income and Expense (December 31, 2009)

Dollar figures in thousands
$24,451Total interest income
$9,513Total interest expense
$14,938Net interest income
$22,205Provision for loan and lease losses
-$5,822Total noninterest income
$0Fiduciary activities
$2,518Service charges on deposit accounts
$0Trading account gains & fees
-$8,340Additional noninterest income
$14,003Total noninterest expense
$5,317Salaries and employee benefits
$1,210Premises and equipment expense
$7,476Additional noninterest expense
-$27,092Pre-tax net operating income
$215Securities gains (losses)
-$5,666Applicable income taxes
-$21,211Income before extraordinary items
$0Extraordinary gains - net
-$21,211Net income attributable to bank
$0Net charge-offs
-$21,211Cash dividends
$23,664Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2009)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.52%Yield on earning assets
1.76%Cost of funding earning assets
2.76%Net interest margin
-1.08%Noninterest income to earning assets
2.59%Noninterest expense to earning assets
-3.68%Net operating income to assets
-3.65%Return on assets (ROA)
-4.62%Pretax return on assets
-43.77%Return on equity (ROE)
-43.77%Retained earnings to average equity (YTD only)
5.56%Net charge-offs to loans
93.83%Credit loss provision to net charge-offs
-0.21%Efficiency ratio
153,609Assets per employee
6.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.86%Loss allowance to noncurrent loans
46.95%Noncurrent assets plus other real estate owned to assets
6.58%Noncurrent loans to loans
8.22%Net loans and leases to deposits
74.15%Net loans and leases to core deposits
92.54%Equity capital to assets
11.22%Core capital (leverage) ratio
10.77%Tier 1 risk-based capital ratio
15.07%Total risk-based capital ratio
Memoranda
$16Average assets
$581,140Average earning assets
$48,461Average equity
$541,072Average loans

CB&T Bank of Middle Georgia in Warner Robins, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

CB&T Bank of Middle Georgia - Overview

Assets and Liabilities (December 31, 2009)

Income and Expense (December 31, 2009)

Performance and Condition Ratios (December 31, 2009)

Comment about this bank, ask questions, or add new information about it:

CB&T Bank of Middle Georgia in Warner Robins, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

CB&T Bank of Middle Georgia - Overview

Assets and Liabilities (December 31, 2009)

Income and Expense (December 31, 2009)

Performance and Condition Ratios (December 31, 2009)

Comment about this bank, ask questions, or add new information about it:

CB&T Bank of Middle Georgia in Warner Robins, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches