CB&T Bank of Middle Georgia in Warner Robins, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2010

  • CB&T Bank of Middle Georgia in Warner Robins, Georgia (GA)
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CB&T Bank of Middle Georgia - Overview

  • General
  • FDIC Certificate #: 25804
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Synovus Bank (#873)
    Federal Reserve ID: 23036
    Date Established: January 04, 1985
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    FDIC's unique #: 32033
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 04, 1985
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 14, 2010
    Last Data Update: June 14, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1444 Watson Boulevard, Warner Robins, GA 31093
    County: Houston
    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): Macon, GA (#4680)
    Combined Statistical Area (CSA): Macon-Warner Robins-Fort Valley, GA (#356)
    Core Based Statistical Area (CBSA): Warner Robins, GA (#47580)
    CBSA Metro Statistical Area: Warner Robins, GA (#47580)
  • Financial Summary
  • Total assets: $499.7 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, 2009)

  • Dollar figures in thousands
  • 85Total employees (full-time equivalent)
  • $531,106Total assets
  • $12,915Cash and due from depository institutions
  • $4,761Interest-bearing balances
  • $79,395Securities
  • $62,383Federal funds sold & reverse repurchase agreements
  • $344,671Net loans & leases
  • $13,839Loan loss allowance
  • $0Trading account assets
  • $7,447Bank premises and fixed assets
  • $5,474Other real estate owned
  • $0Goodwill and other intangibles
  • $852Life insurance assets
  • $18,821All other assets
  • $531,106Total liabilities and capital
  • $471,518Total liabilities
  • $464,805Total deposits
  • $408,716Interest-bearing deposits
  • $464,805Deposits held in domestic offices
  • 82.89%% insured (estimated)
  • $4,530Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $2,183All other liabilities
  • $59,588Total equity capital
  • $59,588Total bank equity capital
  • $59,588Perpetual preferred stock
  • $0Common stock
  • $1,712Surplus
  • $66,506Undivided profits
  • Memoranda
  • $-8,630Noncurrent loans and leases
  • $20,589Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $29,474Earning assets
  • $0Long-term assets (5+ years)
  • $2,074Average Assets, year-to-date
  • $491,210Average Assets, quarterly
  • $71,377Volatile liabilities
  • $581,140Insider loans
  • $546,730FHLB advances
  • $96,890Loans and leases held for sale
  • $12,876Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,589Total unused commitments
  • $6,814Restructured Loans and leases
  • $4,878Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $24,451Total interest income
  • $9,513Total interest expense
  • $14,938Net interest income
  • $22,205Provision for loan and lease losses
  • -$5,822Total noninterest income
  • $0Fiduciary activities
  • $2,518Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$8,340Additional noninterest income
  • $14,003Total noninterest expense
  • $5,317Salaries and employee benefits
  • $1,210Premises and equipment expense
  • $7,476Additional noninterest expense
  • -$27,092Pre-tax net operating income
  • $215Securities gains (losses)
  • -$5,666Applicable income taxes
  • -$21,211Income before extraordinary items
  • $0Extraordinary gains - net
  • -$21,211Net income attributable to bank
  • $0Net charge-offs
  • -$21,211Cash dividends
  • $23,664Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 1.76%Cost of funding earning assets
  • 2.76%Net interest margin
  • -1.08%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • -3.68%Net operating income to assets
  • -3.65%Return on assets (ROA)
  • -4.62%Pretax return on assets
  • -43.77%Return on equity (ROE)
  • -43.77%Retained earnings to average equity (YTD only)
  • 5.56%Net charge-offs to loans
  • 93.83%Credit loss provision to net charge-offs
  • -0.21%Efficiency ratio
  • 153,609Assets per employee
  • 6.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.86%Loss allowance to noncurrent loans
  • 46.95%Noncurrent assets plus other real estate owned to assets
  • 6.58%Noncurrent loans to loans
  • 8.22%Net loans and leases to deposits
  • 74.15%Net loans and leases to core deposits
  • 92.54%Equity capital to assets
  • 11.22%Core capital (leverage) ratio
  • 10.77%Tier 1 risk-based capital ratio
  • 15.07%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $581,140Average earning assets
  • $48,461Average equity
  • $541,072Average loans

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