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

Show street view No street view available for this location
Table of contents:
CB&T Bank of Middle Georgia
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)85
Total assets$531,106
Cash and due from depository institutions$12,915
Interest-bearing balances$4,761
Federal funds sold & reverse repurchase agreements$62,383
Net loans & leases$344,671
Loan loss allowance $13,839
Trading account assets$0
Bank premises and fixed assets$7,447
Other real estate owned$5,474
Goodwill and other intangibles$0
All other assets$18,821
Life insurance assets$852
Total liabilities and capital$531,106
Total liabilities$471,518
Total deposits$464,805
Interest-bearing deposits$408,716
Deposits held in domestic offices$464,805
% insured (estimated)82.89%
Federal funds purchased & repurchase agreements $4,530
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $2,183
Total equity capital$59,588
Total bank equity capital$59,588
Perpetual preferred stock$59,588
Common stock$0
Undivided profits $66,506
Noncurrent loans and leases $-8,630
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $20,589
Income earned, not collected on loans $0
Earning assets $29,474
Long-term assets (5+ years) $0
Average Assets, year-to-date $2,074
Average Assets, quarterly $491,210
Volatile liabilities $71,377
Insider loans $581,140
FHLB advances $546,730
Loans and leases held for sale $96,890
Unused loan commitments $12,876
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $20,589
Restructured Loans and leases $6,814
Back to page top, Back to table top

Income and Expense (December 31, 2009)
(Dollar figures in thousands)
Total interest income $24,451
Total interest expense $9,513
Net interest income $14,938
Provision for loan and lease losses $22,205
Total noninterest income -$5,822
Fiduciary activities $0
Service charges on deposit accounts $2,518
Trading account gains & fees $0
Additional noninterest income -$8,340
Total noninterest expense $14,003
Salaries and employee benefits $5,317
Premises and equipment expense $1,210
Additional noninterest expense $7,476
Pre-tax net operating income -$27,092
Securities gains (losses) $215
Applicable income taxes -$5,666
Income before extraordinary items -$21,211
Extraordinary gains - net $0
Net income attributable to bank -$21,211
Net charge-offs $0
Cash dividends -$21,211
Sale, conversion, retirement of capital stock, net $23,664
Net operating income $0
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 2009)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.52%
Cost of funding earning assets 1.76%
Net interest margin 2.76%
Noninterest income to earning assets -1.08%
Noninterest expense to earning assets 2.59%
Net operating income to assets -3.68%
Return on assets (ROA) -3.65%
Pretax return on assets -4.62%
Return on equity (ROE) -43.77%
Retained earnings to average equity (YTD only) -43.77%
Net charge-offs to loans 5.56%
Credit loss provision to net charge-offs 93.83%
Efficiency ratio-0.21%
Assets per employee$153,609
Cash dividends to net income (YTD only)6.25%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.86%
Noncurrent assets plus other real estate owned to assets 46.95%
Noncurrent loans to loans 6.58%
Net loans and leases to deposits8.22%
Net loans and leases to core deposits 74.15%
Equity capital to assets 92.54%
Core capital (leverage) ratio 11.22%
Tier 1 risk-based capital ratio 10.77%
Total risk-based capital ratio 15.07%
Average assets$16
Average earning assets$581,140
Average equity $48,461
Average loans $541,072
Back to page top, Back to table top

User Contributions:

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 CB&T Bank of Middle Georgia.
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.