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

This bank is inactive as of November 09, 2001

  • 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

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