Century South Bank of Central Georgia, National Association in city_name, state_name

Century South Bank of Central Georgia, National Association in Macon, Georgia (GA)
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Century South Bank of Central Georgia, National Association - Overview

General
FDIC Certificate #: 33733
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Branch Banking and Trust Company (#9846)
Federal Reserve ID: 496630
Date Established: October 30, 1992
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 10 (Interstate: No)
OTS Docket #: 13949
FDIC's unique #: 47845
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: October 30, 1992
Last Structure Change Effective Date: November 09, 2001
Last Structure Change Process Date: November 21, 2001
Last Data Update: November 21, 2001
Data Source Date: April 05, 2012
Location
Address: 4951 Forsyth Road, Macon, GA 31210
County: Bibb
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Atlanta
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): Macon, GA (#31420)
CBSA Metro Statistical Area: Macon, GA (#31420)
Financial Summary
Total assets: $306.5 mil

1992 - 1999 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, 2000)

Dollar figures in thousands
93Total employees (full-time equivalent)
$244,732Total assets
$11,703Cash and due from depository institutions
$1,061Interest-bearing balances
$32,099Securities
$20,110Federal funds sold & reverse repurchase agreements
$170,754Net loans & leases
$2,103Loan loss allowance
$0Trading account assets
$5,370Bank premises and fixed assets
$101Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$4,595All other assets
$244,732Total liabilities and capital
$227,030Total liabilities
$214,768Total deposits
$182,156Interest-bearing deposits
$214,768Deposits held in domestic offices
0.00%% insured (estimated)
$1,650Federal funds purchased & repurchase agreements
$0Trading liabilities
$9,000Other borrowed funds
$0Subordinated debt
$1,612All other liabilities
$17,702Total equity capital
$17,702Total bank equity capital
$17,702Perpetual preferred stock
$0Common stock
$1,500Surplus
$8,766Undivided profits
Memoranda
$7,436Noncurrent loans and leases
$33,930Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$241Earning assets
$0Long-term assets (5+ years)
$1,524Average Assets, year-to-date
$224,024Average Assets, quarterly
$28,186Volatile liabilities
$221,971Insider loans
$232,072FHLB advances
$50,054Loans and leases held for sale
$16,729Unused loan commitments
$0Tier 1 (core) risk-based capital
$25,000Tier 2 risk-based capital
$0Total risk weighted assets
$33,930Total unused commitments
$0Restructured Loans and leases
$2,103Derivatives

Income and Expense (December 31, 2000)

Dollar figures in thousands
$19,015Total interest income
$8,635Total interest expense
$10,380Net interest income
$297Provision for loan and lease losses
$2,907Total noninterest income
$0Fiduciary activities
$1,110Service charges on deposit accounts
$0Trading account gains & fees
$1,797Additional noninterest income
$8,818Total noninterest expense
$4,489Salaries and employee benefits
$1,137Premises and equipment expense
$3,192Additional noninterest expense
$4,172Pre-tax net operating income
$0Securities gains (losses)
$1,385Applicable income taxes
$2,787Income before extraordinary items
$0Extraordinary gains - net
$2,787Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$47Sale, conversion, retirement of capital stock, net
$1,384Net operating income

Performance and Condition Ratios (December 31, 2000)

Dollar figures in thousands
Performance Ratios (%, annualized)
9.31%Yield on earning assets
4.23%Cost of funding earning assets
5.08%Net interest margin
1.42%Noninterest income to earning assets
4.32%Noninterest expense to earning assets
1.26%Net operating income to assets
1.26%Return on assets (ROA)
1.88%Pretax return on assets
16.86%Return on equity (ROE)
8.49%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
631.91%Credit loss provision to net charge-offs
95.09%Efficiency ratio
66,366Assets per employee
2.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.66%Loss allowance to loans
1.22%Loss allowance to noncurrent loans
872.61%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.14%Net loans and leases to deposits
79.51%Net loans and leases to core deposits
97.37%Equity capital to assets
7.23%Core capital (leverage) ratio
7.62%Tier 1 risk-based capital ratio
9.93%Total risk-based capital ratio
Memoranda
$11Average assets
$221,971Average earning assets
$16,526Average equity
$204,138Average loans

Century South Bank of Central Georgia, National Association in Macon, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Century South Bank of Central Georgia, National Association - Overview

Assets and Liabilities (December 31, 2000)

Income and Expense (December 31, 2000)

Performance and Condition Ratios (December 31, 2000)

Comment about this bank, ask questions, or add new information about it:

Century South Bank of Central Georgia, National Association in Macon, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

Century South Bank of Central Georgia, National Association - Overview

Assets and Liabilities (December 31, 2000)

Income and Expense (December 31, 2000)

Performance and Condition Ratios (December 31, 2000)

Comment about this bank, ask questions, or add new information about it:

Century South Bank of Central Georgia, National Association in Macon, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches