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



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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
Securities$79,395
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
Surplus$1,712
Undivided profits $66,506
Memoranda
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
Derivatives$4,878
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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
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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%
Memoranda
Average assets$16
Average earning assets$581,140
Average equity $48,461
Average loans $541,072
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