Commercial Bank & Trust Company of Troup County in Lagrange, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2010

  • Commercial Bank & Trust Company of Troup County in Lagrange, Georgia (GA)
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Commercial Bank & Trust Company of Troup County - Overview

  • General
  • FDIC Certificate #: 15848
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Synovus Bank (#873)
    Federal Reserve ID: 884639
    Date Established: September 15, 1941
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 10088
    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: September 15, 1941
    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
  • Location
  • Address: 200 North Greenwood Street, Lagrange, GA 30240
    County: Troup
    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
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): LaGrange, GA (#29300)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $321.9 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
  • 57Total employees (full-time equivalent)
  • $315,363Total assets
  • $3,835Cash and due from depository institutions
  • $70Interest-bearing balances
  • $39,878Securities
  • $27,639Federal funds sold & reverse repurchase agreements
  • $231,682Net loans & leases
  • $6,343Loan loss allowance
  • $0Trading account assets
  • $4,509Bank premises and fixed assets
  • $530Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $7,290All other assets
  • $315,363Total liabilities and capital
  • $292,598Total liabilities
  • $266,476Total deposits
  • $226,567Interest-bearing deposits
  • $266,476Deposits held in domestic offices
  • 87.26%% insured (estimated)
  • $12,794Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $12,000Other borrowed funds
  • $0Subordinated debt
  • $1,328All other liabilities
  • $22,765Total equity capital
  • $22,765Total bank equity capital
  • $22,765Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $17,829Undivided profits
  • Memoranda
  • $4,736Noncurrent loans and leases
  • $15,106Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7,634Earning assets
  • $0Long-term assets (5+ years)
  • $1,323Average Assets, year-to-date
  • $299,269Average Assets, quarterly
  • $49,085Volatile liabilities
  • $318,354Insider loans
  • $318,756FHLB advances
  • $106,191Loans and leases held for sale
  • $6,334Unused loan commitments
  • $12,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $15,106Total unused commitments
  • $3,804Restructured Loans and leases
  • $2,981Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $15,863Total interest income
  • $3,874Total interest expense
  • $11,989Net interest income
  • $10,297Provision for loan and lease losses
  • $3,063Total noninterest income
  • $0Fiduciary activities
  • $2,210Service charges on deposit accounts
  • $0Trading account gains & fees
  • $853Additional noninterest income
  • $7,180Total noninterest expense
  • $2,999Salaries and employee benefits
  • $772Premises and equipment expense
  • $3,409Additional noninterest expense
  • -$2,425Pre-tax net operating income
  • $123Securities gains (losses)
  • -$972Applicable income taxes
  • -$1,330Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,330Net income attributable to bank
  • $0Net charge-offs
  • -$1,330Cash dividends
  • $8,466Sale, conversion, retirement of capital stock, net
  • $91Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 3.95%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • -0.44%Net operating income to assets
  • -0.42%Return on assets (ROA)
  • -0.72%Pretax return on assets
  • -5.58%Return on equity (ROE)
  • -5.97%Retained earnings to average equity (YTD only)
  • 3.42%Net charge-offs to loans
  • 121.63%Credit loss provision to net charge-offs
  • 0.93%Efficiency ratio
  • 47,701Assets per employee
  • 5.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -6.84%Loss allowance to loans
  • 2.66%Loss allowance to noncurrent loans
  • 83.09%Noncurrent assets plus other real estate owned to assets
  • 2.59%Noncurrent loans to loans
  • 3.21%Net loans and leases to deposits
  • 86.94%Net loans and leases to core deposits
  • 125.18%Equity capital to assets
  • 7.22%Core capital (leverage) ratio
  • 6.57%Tier 1 risk-based capital ratio
  • 9.31%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $318,354Average earning assets
  • $23,817Average equity
  • $303,624Average loans

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