Century Bank and Trust in Milledgeville, Georgia (GA)



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Century Bank and Trust routing number info

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Century Bank and Trust
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)56
Total assets$213,094
Cash and due from depository institutions$9,703
Interest-bearing balances$2,500
Securities$66,220
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$125,275
Loan loss allowance $1,594
Trading account assets$0
Bank premises and fixed assets$3,313
Other real estate owned$1,866
Goodwill and other intangibles$0
All other assets$6,717
Life insurance assets$213,094
Total liabilities and capital$192,584
Total liabilities$189,473
Total deposits$163,569
Interest-bearing deposits$189,473
Deposits held in domestic offices$77
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,111
All other liabilities $20,510
Total equity capital$20,510
Total bank equity capital$20,510
Perpetual preferred stock$0
Common stock$2,288
Surplus$9,419
Undivided profits $8,803
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,088
Earning assets $0
Long-term assets (5+ years) $996
Average Assets, year-to-date $193,995
Average Assets, quarterly $45,424
Volatile liabilities $218,321
Insider loans $216,261
FHLB advances $136,170
Loans and leases held for sale $222,293
Unused loan commitments $3,378
Tier 1 (core) risk-based capital $1,713
Tier 2 risk-based capital $20,378
Total risk weighted assets $1,665
Total unused commitments $0
Restructured Loans and leases $18,846
Derivatives$6,585
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,084
Total interest expense $2,066
Net interest income $8,018
Provision for loan and lease losses $1,605
Total noninterest income $1,256
Fiduciary activities $596
Service charges on deposit accounts $650
Trading account gains & fees $0
Additional noninterest income $10
Total noninterest expense $6,517
Salaries and employee benefits $3,637
Premises and equipment expense $691
Additional noninterest expense $2,189
Pre-tax net operating income $1,152
Securities gains (losses) $0
Applicable income taxes $167
Income before extraordinary items $985
Extraordinary gains - net $0
Net income attributable to bank $985
Net charge-offs $0
Cash dividends $985
Sale, conversion, retirement of capital stock, net $1,500
Net operating income $705
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.00%
Cost of funding earning assets 1.02%
Net interest margin 3.98%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 3.23%
Net operating income to assets 0.45%
Return on assets (ROA) 0.45%
Pretax return on assets 0.53%
Return on equity (ROE) 4.97%
Retained earnings to average equity (YTD only) 1.41%
Net charge-offs to loans 1.20%
Credit loss provision to net charge-offs 107.00%
Efficiency ratio1.84%
Assets per employee$70,272
Cash dividends to net income (YTD only)3.81%
Condition Ratios (%)
Loss allowance to loans 71.57%
Loss allowance to noncurrent loans 1.26%
Noncurrent assets plus other real estate owned to assets 51.62%
Noncurrent loans to loans 2.32%
Net loans and leases to deposits2.43%
Net loans and leases to core deposits 66.12%
Equity capital to assets 68.30%
Core capital (leverage) ratio 9.62%
Tier 1 risk-based capital ratio 9.17%
Total risk-based capital ratio 14.97%
Memoranda
Average assets$16
Average earning assets$218,321
Average equity $19,823
Average loans $201,678
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$76,536
Number of Accounts1
Personal trust and agency accounts$74,023
Employee benefit-defined contribution accounts$28,602
Employee benefit-defined benefit accounts$447
Other retirement accounts$12,406
Corporate trust and agency accounts$6,560
Investment management agency accounts$0
Other fiduciary accounts$6,819
Fiduciary accounts held in foreign offices$17,649
Non-managed Assets$1,540
Number of Accounts85
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$6,560
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,513
Corporate trust and agency accounts$2,347
Other fiduciary accounts$68
Fiduciary accounts held in foreign offices$98
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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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