Century Bank and Trust in Milledgeville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Century Bank and Trust in Milledgeville, Georgia (GA)
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Century Bank and Trust - Overview

  • General
  • FDIC Certificate #: 147
    Status: Active
    Federal Reserve ID: 944337
    Bank Holding Company (Regulatory Top Holder): Century Bancorp, Inc. (RSSDID: 2043850, Location: Milledgeville, GA)
    Date Established: January 01, 1898
    WWW: http://www.centurybankonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 114
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 02, 2008
    Last Structure Change Process Date: April 02, 2008
    Last Data Update: April 02, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 141 South Wayne Street, Milledgeville, GA 31061
    County: Baldwin
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Savannah
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Milledgeville, GA (#33300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $213.1 mil
    Equity capital: $20.5 mil
    Deposits held in domestic offices: $189.5 mil
    Return on assets (ROA): 0.45% ($1.0 mil)
    Quarterly return on assets: 0.78% ($1.7 mil)
    Return on Equity (ROE): 4.97% ($1.0 mil)
    Quarterly return on equity: 8.32% ($1.7 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.53% ($1,129.4 mil)
    Quarterly Pretax return on assets: 0.80% ($1,704.8 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
  • 56Total employees (full-time equivalent)
  • $213,094Total assets
  • $9,703Cash and due from depository institutions
  • $2,500Interest-bearing balances
  • $66,220Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $125,275Net loans & leases
  • $1,594Loan loss allowance
  • $0Trading account assets
  • $3,313Bank premises and fixed assets
  • $1,866Other real estate owned
  • $0Goodwill and other intangibles
  • $213,094Life insurance assets
  • $6,717All other assets
  • $192,584Total liabilities and capital
  • $189,473Total liabilities
  • $163,569Total deposits
  • $189,473Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,111Subordinated debt
  • $20,510All other liabilities
  • $20,510Total equity capital
  • $20,510Total bank equity capital
  • $0Perpetual preferred stock
  • $2,288Common stock
  • $9,419Surplus
  • $8,803Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,088Income earned, not collected on loans
  • $0Earning assets
  • $996Long-term assets (5+ years)
  • $193,995Average Assets, year-to-date
  • $45,424Average Assets, quarterly
  • $218,321Volatile liabilities
  • $216,261Insider loans
  • $136,170FHLB advances
  • $222,293Loans and leases held for sale
  • $3,378Unused loan commitments
  • $1,713Tier 1 (core) risk-based capital
  • $20,378Tier 2 risk-based capital
  • $1,665Total risk weighted assets
  • $0Total unused commitments
  • $18,846Restructured Loans and leases
  • $6,585Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,084Total interest income
  • $2,066Total interest expense
  • $8,018Net interest income
  • $1,605Provision for loan and lease losses
  • $1,256Total noninterest income
  • $596Fiduciary activities
  • $650Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10Additional noninterest income
  • $6,517Total noninterest expense
  • $3,637Salaries and employee benefits
  • $691Premises and equipment expense
  • $2,189Additional noninterest expense
  • $1,152Pre-tax net operating income
  • $0Securities gains (losses)
  • $167Applicable income taxes
  • $985Income before extraordinary items
  • $0Extraordinary gains - net
  • $985Net income attributable to bank
  • $0Net charge-offs
  • $985Cash dividends
  • $1,500Sale, conversion, retirement of capital stock, net
  • $705Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 4.97%Return on equity (ROE)
  • 1.41%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 107.00%Credit loss provision to net charge-offs
  • 1.84%Efficiency ratio
  • 70,272Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.57%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 51.62%Noncurrent assets plus other real estate owned to assets
  • 2.32%Noncurrent loans to loans
  • 2.43%Net loans and leases to deposits
  • 66.12%Net loans and leases to core deposits
  • 68.30%Equity capital to assets
  • 9.62%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 14.97%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $218,321Average earning assets
  • $19,823Average equity
  • $201,678Average 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
  • $76,536Managed Assets
  • 1Number of Accounts
  • $74,023Personal trust and agency accounts
  • $28,602Employee benefit-defined contribution accounts
  • $447Employee benefit-defined benefit accounts
  • $12,406Other retirement accounts
  • $6,560Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,819Other fiduciary accounts
  • $17,649Fiduciary accounts held in foreign offices
  • $1,540Non-managed Assets
  • 85Number of Accounts
  • $0Personal trust and agency accounts
  • $6,560Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,513Other retirement accounts
  • $2,347Corporate trust and agency accounts
  • $68Other fiduciary accounts
  • $98Fiduciary accounts held in foreign offices

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0114Century Bank And Trust141 South Wayne Street, Milledgeville, GA 31061January 01, 1898Full Service Brick and Mortar
    1181234Northside Branch1800 North Columbia Street, Milledgeville, GA 31061May 10, 1979Full Service Brick and Mortar

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