AB&T NATIONAL BANK in Albany, Georgia (GA), AL
Overview, Financial Summary, Detailed Financial Reports, Branches

  • AB&T NATIONAL BANK in Albany, Georgia (GA), AL
  • Show street view No street view available for this location


  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
    Name Change
  • Financial Summary
  • Total 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
  • 57Total employees (full-time equivalent)
  • $148,499Total assets
  • $17,446Cash and due from depository institutions
  • $16,141Interest-bearing balances
  • $19,177Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $102,457Net loans & leases
  • $2,142Loan loss allowance
  • $0Trading account assets
  • $5,558Bank premises and fixed assets
  • $1,540Other real estate owned
  • $0Goodwill and other intangibles
  • $148,499Life insurance assets
  • $2,321All other assets
  • $137,635Total liabilities and capital
  • $123,362Total liabilities
  • $100,155Total deposits
  • $123,362Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 7720.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,390Trading liabilities
  • $0Other borrowed funds
  • $163Subordinated debt
  • $10,864All other liabilities
  • $10,864Total equity capital
  • $10,864Total bank equity capital
  • $0Perpetual preferred stock
  • $3,750Common stock
  • $25,729Surplus
  • $-18,615Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,452Income earned, not collected on loans
  • $0Earning assets
  • $416Long-term assets (5+ years)
  • $137,775Average Assets, year-to-date
  • $24,207Average Assets, quarterly
  • $143,757Volatile liabilities
  • $144,960Insider loans
  • $107,875FHLB advances
  • $143,597Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,868Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,352Restructured Loans and leases
  • $5,299Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,427Total interest income
  • $1,512Total interest expense
  • $4,915Net interest income
  • $930Provision for loan and lease losses
  • $1,404Total noninterest income
  • $591Fiduciary activities
  • $394Service charges on deposit accounts
  • $0Trading account gains & fees
  • $419Additional noninterest income
  • $6,546Total noninterest expense
  • $3,780Salaries and employee benefits
  • $989Premises and equipment expense
  • $1,777Additional noninterest expense
  • -$1,157Pre-tax net operating income
  • $518Securities gains (losses)
  • $0Applicable income taxes
  • -$639Income before extraordinary items
  • $0Extraordinary gains - net
  • -$639Net income attributable to bank
  • $0Net charge-offs
  • -$639Cash dividends
  • $1,241Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.70%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 4.93%Noninterest expense to earning assets
  • -0.80%Net operating income to assets
  • -0.44%Return on assets (ROA)
  • -0.44%Pretax return on assets
  • -5.59%Return on equity (ROE)
  • -5.59%Retained earnings to average equity (YTD only)
  • 1.21%Net charge-offs to loans
  • 74.94%Credit loss provision to net charge-offs
  • -0.18%Efficiency ratio
  • 103,592Assets per employee
  • 2.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 87.36%Noncurrent assets plus other real estate owned to assets
  • 2.69%Noncurrent loans to loans
  • 2.34%Net loans and leases to deposits
  • 83.05%Net loans and leases to core deposits
  • 85.72%Equity capital to assets
  • 7.32%Core capital (leverage) ratio
  • 7.57%Tier 1 risk-based capital ratio
  • 10.07%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $143,757Average earning assets
  • $11,435Average equity
  • $132,892Average 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
  • $57,965Managed Assets
  • 1Number of Accounts
  • $51,221Personal trust and agency accounts
  • $50,558Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $475Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $188Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 47Number of Accounts
  • $0Personal trust and agency accounts
  • $475Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,744Other retirement accounts
  • $5,517Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,227Fiduciary accounts held in foreign offices

List of branches

  • 1 Alabama Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    6443438Auburn Branch1943 East Glenn Avenue, Auburn, AL 36830October 15, 2004Full Service Brick and Mortar
  • 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

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


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with AB&T NATIONAL BANK.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents