Georgia Bank & Trust Company of Columbia County in Martinez, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1993

Georgia Bank & Trust Company of Columbia County in Martinez, Georgia (GA)
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Georgia Bank & Trust Company of Columbia County - Overview

General
FDIC Certificate #: 26279
Status: Inactive
Closing history: Consolidated - Without Assistance
Acquiring institution: Georgia Bank & Trust Company of Augusta (#27574)
Federal Reserve ID: 350871
Date Established: July 01, 1985
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 32669
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: July 01, 1985
Last Structure Change Effective Date: July 01, 1993
Last Structure Change Process Date: July 15, 1993
Last Data Update: July 15, 1993
Data Source Date: April 05, 2012
Location
Address: 4109 Columbia Road, Martinez, GA 30907
County: Columbia
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): Augusta-Aiken, GA-SC (#600)
Core Based Statistical Area (CBSA): Augusta-Richmond County, GA-SC (#12260)
CBSA Metro Statistical Area: Augusta-Richmond County, GA-SC (#12260)
Financial Summary
Total assets: $54.1 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$39Total assets
$56,131Cash and due from depository institutions
$4,901Interest-bearing balances
$224Securities
$15,431Federal funds sold & reverse repurchase agreements
$903Net loans & leases
$30,578Loan loss allowance
$832Trading account assets
$0Bank premises and fixed assets
$738Other real estate owned
$1,245Goodwill and other intangibles
$667Life insurance assets
$1,668All other assets
$0Total liabilities and capital
$56,131Total liabilities
$50,127Total deposits
$49,924Interest-bearing deposits
$45,200Deposits held in domestic offices
49924.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$203Total equity capital
$203Total bank equity capital
$6,004Perpetual preferred stock
$0Common stock
$750Surplus
$5,254Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$303Income earned, not collected on loans
$299Earning assets
$47,136Long-term assets (5+ years)
$691Average Assets, year-to-date
$57,829Average Assets, quarterly
$56,413Volatile liabilities
$5,528Insider loans
$26FHLB advances
$0Loans and leases held for sale
$381Unused loan commitments
$2,597Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,336Total risk weighted assets
$34,181Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$4,695Total interest expense
$2,374Net interest income
$2,321Provision for loan and lease losses
$5Total noninterest income
$615Fiduciary activities
$0Service charges on deposit accounts
$430Trading account gains & fees
$0Additional noninterest income
$185Total noninterest expense
$2,509Salaries and employee benefits
$1,128Premises and equipment expense
$462Additional noninterest expense
$919Pre-tax net operating income
$422Securities gains (losses)
$42Applicable income taxes
$158Income before extraordinary items
$306Extraordinary gains - net
$0Net income attributable to bank
$306Net charge-offs
$221Cash dividends
$250Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.09%Cost of funding earning assets
4.59%Net interest margin
4.49%Noninterest income to earning assets
1.19%Noninterest expense to earning assets
4.86%Net operating income to assets
0.48%Return on assets (ROA)
0.53%Pretax return on assets
0.80%Return on equity (ROE)
6.30%Retained earnings to average equity (YTD only)
1.15%Net charge-offs to loans
0.67%Credit loss provision to net charge-offs
2.26%Efficiency ratio
85,456Assets per employee
1.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
81.70%Loss allowance to loans
2.65%Loss allowance to noncurrent loans
274.59%Noncurrent assets plus other real estate owned to assets
2.76%Noncurrent loans to loans
0.96%Net loans and leases to deposits
61.25%Net loans and leases to core deposits
68.88%Equity capital to assets
10.70%Core capital (leverage) ratio
7.96%Tier 1 risk-based capital ratio
12.69%Total risk-based capital ratio
Memoranda
$14Average assets
$57,829Average earning assets
$4,859Average equity
$51,678Average loans

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