BB&T Financial, FSB in Columbus, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • BB&T Financial, FSB in Columbus, Georgia (GA)
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BB&T Financial, FSB - Overview

  • General
  • FDIC Certificate #: 34780
    Status: Active
    Federal Reserve ID: 2689463
    Bank Holding Company (Regulatory Top Holder): Bb&T Corporation (RSSDID: 1074156, Location: Winston-Salem, NC)
    Date Established: July 01, 1998
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 18095
    FDIC's unique #: 61553
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Credit Card Institutions: Yes
    FDIC Insured: Yes
    Insured Savings Institution: 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: Credit-Card Specialization
    Date of Deposit Insurance: July 01, 1998
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4 Bradley Park Court, Suite 1c, Columbus, GA 31904
    County: Muscogee
    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): Columbus, GA-AL (#1800)
    Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194)
    Core Based Statistical Area (CBSA): Columbus, GA-AL (#17980)
    CBSA Metro Statistical Area: Columbus, GA-AL (#17980)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $2,746.9 mil
    Equity capital: $515.8 mil
    Deposits held in domestic offices: $1,092.6 mil
    Return on assets (ROA): 4.69% ($128.8 mil)
    Quarterly return on assets: 4.34% ($119.2 mil)
    Return on Equity (ROE): 27.05% ($139.6 mil)
    Quarterly return on equity: 23.24% ($119.9 mil)
    Net income: $122.6 mil
    Quarterly Net income: $29.1 mil
    Pretax return on assets: 7.45% ($204,641.7 mil)
    Quarterly Pretax return on assets: 7.09% ($194,752.9 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
  • 397Total employees (full-time equivalent)
  • $2,746,868Total assets
  • $1,190Cash and due from depository institutions
  • $554Interest-bearing balances
  • $191,500Securities
  • $12,476Federal funds sold & reverse repurchase agreements
  • $2,285,844Net loans & leases
  • $113,166Loan loss allowance
  • $0Trading account assets
  • $809Bank premises and fixed assets
  • $0Other real estate owned
  • $24,076Goodwill and other intangibles
  • $2,746,868Life insurance assets
  • $230,973All other assets
  • $2,231,025Total liabilities and capital
  • $1,092,569Total liabilities
  • $1,032,790Total deposits
  • $1,092,569Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 923665.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $150,000Trading liabilities
  • $0Other borrowed funds
  • $64,791Subordinated debt
  • $515,843All other liabilities
  • $515,843Total equity capital
  • $515,843Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $133,365Surplus
  • $380,478Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,384Income earned, not collected on loans
  • $0Earning assets
  • $7,332Long-term assets (5+ years)
  • $2,490,374Average Assets, year-to-date
  • $424,397Average Assets, quarterly
  • $2,615,676Volatile liabilities
  • $2,686,025Insider loans
  • $2,589,101FHLB advances
  • $2,629,587Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $489,604Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,206,114Restructured Loans and leases
  • $3,394Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $184,094Total interest income
  • $19,821Total interest expense
  • $164,273Net interest income
  • $74,212Provision for loan and lease losses
  • $231,555Total noninterest income
  • $0Fiduciary activities
  • $443Service charges on deposit accounts
  • $0Trading account gains & fees
  • $231,112Additional noninterest income
  • $126,731Total noninterest expense
  • $27,139Salaries and employee benefits
  • $2,086Premises and equipment expense
  • $97,506Additional noninterest expense
  • $194,885Pre-tax net operating income
  • $0Securities gains (losses)
  • $72,279Applicable income taxes
  • $122,606Income before extraordinary items
  • $0Extraordinary gains - net
  • $122,606Net income attributable to bank
  • $0Net charge-offs
  • $122,606Cash dividends
  • $69,470Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.70%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 6.87%Net interest margin
  • 9.68%Noninterest income to earning assets
  • 5.30%Noninterest expense to earning assets
  • 4.69%Net operating income to assets
  • 4.69%Return on assets (ROA)
  • 7.45%Pretax return on assets
  • 27.05%Return on equity (ROE)
  • 27.05%Retained earnings to average equity (YTD only)
  • 3.01%Net charge-offs to loans
  • 106.83%Credit loss provision to net charge-offs
  • 3.87%Efficiency ratio
  • 31,837Assets per employee
  • 6.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.72%Loss allowance to noncurrent loans
  • 690.71%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 209.22%Net loans and leases to core deposits
  • 2048.05%Equity capital to assets
  • 18.78%Core capital (leverage) ratio
  • 18.62%Tier 1 risk-based capital ratio
  • 18.91%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $2,615,676Average earning assets
  • $453,268Average equity
  • $2,391,790Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061553Bb&T Financial, Fsb4 Bradley Park Court, Suite 1c, Columbus, GA 31904July 01, 1998Full Service Brick and Mortar

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