Montgomery Bank & Trust in Ailey, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Montgomery Bank & Trust - Overview

  • General
  • FDIC Certificate #: 19498
    Status: Active
    Federal Reserve ID: 982731
    Bank Holding Company (Regulatory Top Holder): Pfgbi, Llc (RSSDID: 4200143, Location: Mcdonough, GA)
    Date Established: March 01, 1926
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13622
    FDIC's unique #: 13298
    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: October 08, 1965
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Lee And Gum Streets, Ailey, GA 30410
    County: Montgomery
    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): Vidalia, GA (#47080)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $181.8 mil
    Equity capital: $3.8 mil
    Deposits held in domestic offices: $172.2 mil
    Return on assets (ROA): -6.81% (-$12.4 mil)
    Quarterly return on assets: -4.60% (-$8.4 mil)
    Return on Equity (ROE): -156.48% (-$6.3 mil)
    Quarterly return on equity: -194.96% (-$7.8 mil)
    Net income: -$14.1 mil
    Quarterly Net income: -$2.1 mil
    Pretax return on assets: -6.81% (-$12,378.4 mil)
    Quarterly Pretax return on assets: -4.60% (-$8,361.3 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
  • 46Total employees (full-time equivalent)
  • $181,768Total assets
  • $18,005Cash and due from depository institutions
  • $14,700Interest-bearing balances
  • $16,954Securities
  • $1,361Federal funds sold & reverse repurchase agreements
  • $110,691Net loans & leases
  • $3,131Loan loss allowance
  • $0Trading account assets
  • $5,741Bank premises and fixed assets
  • $25,520Other real estate owned
  • $0Goodwill and other intangibles
  • $181,768Life insurance assets
  • $3,496All other assets
  • $177,973Total liabilities and capital
  • $172,182Total liabilities
  • $152,222Total deposits
  • $172,182Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $791Subordinated debt
  • $3,795All other liabilities
  • $3,795Total equity capital
  • $3,795Total bank equity capital
  • $0Perpetual preferred stock
  • $122Common stock
  • $34,604Surplus
  • $-30,931Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,734Income earned, not collected on loans
  • $0Earning assets
  • $540Long-term assets (5+ years)
  • $143,706Average Assets, year-to-date
  • $6,723Average Assets, quarterly
  • $207,488Volatile liabilities
  • $184,932Insider loans
  • $143,576FHLB advances
  • $185,063Loans and leases held for sale
  • $1,045Unused loan commitments
  • $1,045Tier 1 (core) risk-based capital
  • $3,797Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,806Restructured Loans and leases
  • $890Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,709Total interest income
  • $4,087Total interest expense
  • $3,622Net interest income
  • $6,469Provision for loan and lease losses
  • -$3,197Total noninterest income
  • $0Fiduciary activities
  • $1,030Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$4,227Additional noninterest income
  • $8,385Total noninterest expense
  • $2,845Salaries and employee benefits
  • $927Premises and equipment expense
  • $4,613Additional noninterest expense
  • -$14,429Pre-tax net operating income
  • $306Securities gains (losses)
  • $0Applicable income taxes
  • -$14,123Income before extraordinary items
  • $0Extraordinary gains - net
  • -$14,123Net income attributable to bank
  • $0Net charge-offs
  • -$14,123Cash dividends
  • $6,414Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 2.41%Cost of funding earning assets
  • 2.14%Net interest margin
  • -1.89%Noninterest income to earning assets
  • 4.95%Noninterest expense to earning assets
  • -6.95%Net operating income to assets
  • -6.81%Return on assets (ROA)
  • -6.81%Pretax return on assets
  • -156.48%Return on equity (ROE)
  • -156.48%Retained earnings to average equity (YTD only)
  • 5.16%Net charge-offs to loans
  • 100.86%Credit loss provision to net charge-offs
  • -1.24%Efficiency ratio
  • 1,972,941Assets per employee
  • 3.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.75%Loss allowance to noncurrent loans
  • 16.71%Noncurrent assets plus other real estate owned to assets
  • 24.35%Noncurrent loans to loans
  • 16.46%Net loans and leases to deposits
  • 64.29%Net loans and leases to core deposits
  • 74.49%Equity capital to assets
  • 2.09%Core capital (leverage) ratio
  • 2.05%Tier 1 risk-based capital ratio
  • 2.64%Total risk-based capital ratio
  • Memoranda
  • $4Average assets
  • $207,488Average earning assets
  • $9,025Average equity
  • $169,493Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013298Montgomery Bank & TrustLee And Gum Streets, Ailey, GA 30410March 01, 1926Full Service Brick and Mortar
    1248519Vidalia Branch2100 Commerce Drive, Vidalia, GA 30474October 11, 1984Full Service Brick and Mortar
    2248520Eastside Branch1705 East First Street, Vidalia, GA 30474June 23, 1997Full Service Brick and Mortar

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