Century Bank and Trust in city_name, state_name - Detailed Financial Reports, Location

Century Bank and Trust in Milledgeville, Georgia (GA)
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Century Bank and Trust routing number info

Century Bank and Trust - Overview

General
FDIC Certificate #: 147
Status: Active
Federal Reserve ID: 944337
Bank Holding Company (Regulatory Top Holder): Century Bancorp, Inc. (RSSDID: 2043850, Location: Milledgeville, GA)
Date Established: January 01, 1898
WWW: http://www.centurybankonline.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 114
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 02, 2008
Last Structure Change Process Date: April 02, 2008
Last Data Update: April 02, 2008
Data Source Date: April 05, 2012
Location
Address: 141 South Wayne Street, Milledgeville, GA 31061
County: Baldwin
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Savannah
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Milledgeville, GA (#33300)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $213.1 mil
Equity capital: $20.5 mil
Deposits held in domestic offices: $189.5 mil
Return on assets (ROA): 0.45% ($1.0 mil)
Quarterly return on assets: 0.78% ($1.7 mil)
Return on Equity (ROE): 4.97% ($1.0 mil)
Quarterly return on equity: 8.32% ($1.7 mil)
Net income: $1.0 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.53% ($1,129.4 mil)
Quarterly Pretax return on assets: 0.80% ($1,704.8 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
56Total employees (full-time equivalent)
$213,094Total assets
$9,703Cash and due from depository institutions
$2,500Interest-bearing balances
$66,220Securities
$0Federal funds sold & reverse repurchase agreements
$125,275Net loans & leases
$1,594Loan loss allowance
$0Trading account assets
$3,313Bank premises and fixed assets
$1,866Other real estate owned
$0Goodwill and other intangibles
$213,094Life insurance assets
$6,717All other assets
$192,584Total liabilities and capital
$189,473Total liabilities
$163,569Total deposits
$189,473Interest-bearing deposits
$77Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$3,111Subordinated debt
$20,510All other liabilities
$20,510Total equity capital
$20,510Total bank equity capital
$0Perpetual preferred stock
$2,288Common stock
$9,419Surplus
$8,803Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,088Income earned, not collected on loans
$0Earning assets
$996Long-term assets (5+ years)
$193,995Average Assets, year-to-date
$45,424Average Assets, quarterly
$218,321Volatile liabilities
$216,261Insider loans
$136,170FHLB advances
$222,293Loans and leases held for sale
$3,378Unused loan commitments
$1,713Tier 1 (core) risk-based capital
$20,378Tier 2 risk-based capital
$1,665Total risk weighted assets
$0Total unused commitments
$18,846Restructured Loans and leases
$6,585Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,084Total interest income
$2,066Total interest expense
$8,018Net interest income
$1,605Provision for loan and lease losses
$1,256Total noninterest income
$596Fiduciary activities
$650Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$6,517Total noninterest expense
$3,637Salaries and employee benefits
$691Premises and equipment expense
$2,189Additional noninterest expense
$1,152Pre-tax net operating income
$0Securities gains (losses)
$167Applicable income taxes
$985Income before extraordinary items
$0Extraordinary gains - net
$985Net income attributable to bank
$0Net charge-offs
$985Cash dividends
$1,500Sale, conversion, retirement of capital stock, net
$705Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.00%Yield on earning assets
1.02%Cost of funding earning assets
3.98%Net interest margin
0.62%Noninterest income to earning assets
3.23%Noninterest expense to earning assets
0.45%Net operating income to assets
0.45%Return on assets (ROA)
0.53%Pretax return on assets
4.97%Return on equity (ROE)
1.41%Retained earnings to average equity (YTD only)
1.20%Net charge-offs to loans
107.00%Credit loss provision to net charge-offs
1.84%Efficiency ratio
70,272Assets per employee
3.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
71.57%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
51.62%Noncurrent assets plus other real estate owned to assets
2.32%Noncurrent loans to loans
2.43%Net loans and leases to deposits
66.12%Net loans and leases to core deposits
68.30%Equity capital to assets
9.62%Core capital (leverage) ratio
9.17%Tier 1 risk-based capital ratio
14.97%Total risk-based capital ratio
Memoranda
$16Average assets
$218,321Average earning assets
$19,823Average equity
$201,678Average 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
$76,536Managed Assets
1Number of Accounts
$74,023Personal trust and agency accounts
$28,602Employee benefit-defined contribution accounts
$447Employee benefit-defined benefit accounts
$12,406Other retirement accounts
$6,560Corporate trust and agency accounts
$0Investment management agency accounts
$6,819Other fiduciary accounts
$17,649Fiduciary accounts held in foreign offices
$1,540Non-managed Assets
85Number of Accounts
$0Personal trust and agency accounts
$6,560Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,513Other retirement accounts
$2,347Corporate trust and agency accounts
$68Other fiduciary accounts
$98Fiduciary accounts held in foreign offices

List of branches

2 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	114	Century Bank And Trust	141 South Wayne Street, Milledgeville, GA 31061	January 01, 1898	Full Service Brick and Mortar
1	181234	Northside Branch	1800 North Columbia Street, Milledgeville, GA 31061	May 10, 1979	Full Service Brick and Mortar

Century Bank and Trust in Milledgeville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Century Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Century Bank and Trust in Milledgeville, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

Century Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Century Bank and Trust in Milledgeville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches