AB&T NATIONAL BANK in Albany, Georgia (GA), AL



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AB&T NATIONAL BANK routing number info

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AB&T NATIONAL BANK
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Name Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)57
Total assets$148,499
Cash and due from depository institutions$17,446
Interest-bearing balances$16,141
Securities$19,177
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$102,457
Loan loss allowance $2,142
Trading account assets$0
Bank premises and fixed assets$5,558
Other real estate owned$1,540
Goodwill and other intangibles$0
All other assets$2,321
Life insurance assets$148,499
Total liabilities and capital$137,635
Total liabilities$123,362
Total deposits$100,155
Interest-bearing deposits$123,362
Deposits held in domestic offices$95
% insured (estimated)7720.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,390
Other borrowed funds $0
Subordinated debt $163
All other liabilities $10,864
Total equity capital$10,864
Total bank equity capital$10,864
Perpetual preferred stock$0
Common stock$3,750
Surplus$25,729
Undivided profits $-18,615
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,452
Earning assets $0
Long-term assets (5+ years) $416
Average Assets, year-to-date $137,775
Average Assets, quarterly $24,207
Volatile liabilities $143,757
Insider loans $144,960
FHLB advances $107,875
Loans and leases held for sale $143,597
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,868
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $22,352
Derivatives$5,299
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,427
Total interest expense $1,512
Net interest income $4,915
Provision for loan and lease losses $930
Total noninterest income $1,404
Fiduciary activities $591
Service charges on deposit accounts $394
Trading account gains & fees $0
Additional noninterest income $419
Total noninterest expense $6,546
Salaries and employee benefits $3,780
Premises and equipment expense $989
Additional noninterest expense $1,777
Pre-tax net operating income -$1,157
Securities gains (losses) $518
Applicable income taxes $0
Income before extraordinary items -$639
Extraordinary gains - net $0
Net income attributable to bank -$639
Net charge-offs $0
Cash dividends -$639
Sale, conversion, retirement of capital stock, net $1,241
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.84%
Cost of funding earning assets 1.14%
Net interest margin 3.70%
Noninterest income to earning assets 1.06%
Noninterest expense to earning assets 4.93%
Net operating income to assets -0.80%
Return on assets (ROA) -0.44%
Pretax return on assets -0.44%
Return on equity (ROE) -5.59%
Retained earnings to average equity (YTD only) -5.59%
Net charge-offs to loans 1.21%
Credit loss provision to net charge-offs 74.94%
Efficiency ratio-0.18%
Assets per employee$103,592
Cash dividends to net income (YTD only)2.61%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.05%
Noncurrent assets plus other real estate owned to assets 87.36%
Noncurrent loans to loans 2.69%
Net loans and leases to deposits2.34%
Net loans and leases to core deposits 83.05%
Equity capital to assets 85.72%
Core capital (leverage) ratio 7.32%
Tier 1 risk-based capital ratio 7.57%
Total risk-based capital ratio 10.07%
Memoranda
Average assets$11
Average earning assets$143,757
Average equity $11,435
Average loans $132,892
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$57,965
Number of Accounts1
Personal trust and agency accounts$51,221
Employee benefit-defined contribution accounts$50,558
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$475
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$188
Non-managed Assets$0
Number of Accounts47
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$475
Employee benefit-defined benefit accounts$0
Other retirement accounts$6,744
Corporate trust and agency accounts$5,517
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$1,227
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1 Alabama Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
6443438Auburn Branch1943 East Glenn Avenue, Auburn, AL 36830October 15, 2004Full Service Brick and Mortar
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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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