State Bank and Trust Company in Macon, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 57870
    Status: Active
    Federal Reserve ID: 3384318
    Bank Holding Company (Regulatory Top Holder): State Bank Financial Corporation (RSSDID: 4036324, Location: Atlanta, GA)
    Date Established: October 03, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 31 (Domestic: 31, Interstate: No)
    FDIC's unique #: 428584
    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 03, 2005
    Last Structure Change Effective Date: October 21, 2011
    Last Structure Change Process Date: October 24, 2011
    Last Data Update: October 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4219 Forsyth Road, Macon, GA 31210
    County: Bibb
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    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)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $2,746.8 mil
    Equity capital: $381.3 mil
    Deposits held in domestic offices: $2,314.3 mil
    Return on assets (ROA): 1.59% ($43.7 mil)
    Quarterly return on assets: 1.38% ($37.9 mil)
    Return on Equity (ROE): 11.67% ($44.5 mil)
    Quarterly return on equity: 9.73% ($37.1 mil)
    Net income: $43.6 mil
    Quarterly Net income: $9.4 mil
    Pretax return on assets: 2.46% ($67,571.2 mil)
    Quarterly Pretax return on assets: 2.03% ($55,760.0 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
  • 630Total employees (full-time equivalent)
  • $2,746,797Total assets
  • $220,532Cash and due from depository institutions
  • $190,294Interest-bearing balances
  • $349,929Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,449,928Net loans & leases
  • $69,484Loan loss allowance
  • $0Trading account assets
  • $36,760Bank premises and fixed assets
  • $85,706Other real estate owned
  • $8,443Goodwill and other intangibles
  • $2,746,797Life insurance assets
  • $595,499All other assets
  • $2,365,529Total liabilities and capital
  • $2,314,284Total liabilities
  • $2,001,276Total deposits
  • $2,314,284Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 4749.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,539Trading liabilities
  • $0Other borrowed funds
  • $43,957Subordinated debt
  • $381,268All other liabilities
  • $381,268Total equity capital
  • $381,268Total bank equity capital
  • $0Perpetual preferred stock
  • $157,705Common stock
  • $134,626Surplus
  • $88,937Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,889Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,732Income earned, not collected on loans
  • $0Earning assets
  • $6,015Long-term assets (5+ years)
  • $1,990,151Average Assets, year-to-date
  • $438,911Average Assets, quarterly
  • $2,740,330Volatile liabilities
  • $2,711,077Insider loans
  • $1,104,949FHLB advances
  • $2,844,264Loans and leases held for sale
  • $37,394Unused loan commitments
  • $37,394Tier 1 (core) risk-based capital
  • $376,159Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $176,409Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $167,000Total interest income
  • $21,773Total interest expense
  • $145,227Net interest income
  • $85,064Provision for loan and lease losses
  • $95,622Total noninterest income
  • $0Fiduciary activities
  • $5,601Service charges on deposit accounts
  • $0Trading account gains & fees
  • $90,021Additional noninterest income
  • $88,339Total noninterest expense
  • $48,319Salaries and employee benefits
  • $8,692Premises and equipment expense
  • $31,328Additional noninterest expense
  • $67,446Pre-tax net operating income
  • -$54Securities gains (losses)
  • $23,832Applicable income taxes
  • $43,560Income before extraordinary items
  • $0Extraordinary gains - net
  • $43,560Net income attributable to bank
  • $0Net charge-offs
  • $43,560Cash dividends
  • $20,930Sale, conversion, retirement of capital stock, net
  • $15,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.23%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 7.16%Net interest margin
  • 4.71%Noninterest income to earning assets
  • 4.35%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 2.46%Pretax return on assets
  • 11.67%Return on equity (ROE)
  • 7.65%Retained earnings to average equity (YTD only)
  • 1.52%Net charge-offs to loans
  • 406.42%Credit loss provision to net charge-offs
  • 7.29%Efficiency ratio
  • 36,285Assets per employee
  • 4.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.44%Loss allowance to loans
  • 4.57%Loss allowance to noncurrent loans
  • 2543.34%Noncurrent assets plus other real estate owned to assets
  • 3.22%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 62.65%Net loans and leases to core deposits
  • 64.09%Equity capital to assets
  • 13.88%Core capital (leverage) ratio
  • 13.23%Tier 1 risk-based capital ratio
  • 34.04%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $2,740,330Average earning assets
  • $373,338Average equity
  • $2,029,449Average loans

List of branches

  • 31 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0428584State Bank And Trust Company4219 Forsyth Road, Macon, GA 31210October 03, 2005Full Service Brick and Mortar
    1452375Unadilla Branch2206 Pine Street, Unadilla, GA 31091July 05, 2006Full Service Brick and Mortar
    3261885Walnut Street Branch700 Walnut Street, Macon, GA 31201July 12, 1991Full Service Brick and Mortar
    4261886Log Cabin Branch4699 Log Cabin Drive, Macon, GA 31204August 09, 1993Full Service Brick and Mortar
    5261887Northeast Branch614 Shurling Drive, Macon, GA 31211September 21, 1995Full Service Brick and Mortar
    6261888Pio Nono Branch3945 Pio Nono Avenue, Macon, GA 31206August 20, 1997Full Service Brick and Mortar
    7261889Hartley Bridge Road Branch4315 Hartley Bridge Road, Macon, GA 31216December 01, 1998Full Service Brick and Mortar
    8363076Carlyle Place Branch5300 Zebulon Road, Macon, GA 31210December 12, 2001Limited Service Facility
    9365243Riverside Drive Branch2918 Riverside Drive, Macon, GA 31204May 06, 2002Full Service Brick and Mortar
    1057068Zebulon Road Branch5980 Zebulon Road, Macon, GA 31210June 12, 1997Full Service Brick and Mortar
    11453355Bass Road Branch1535 Bass Road, Macon, GA 31210January 17, 2006Full Service Brick and Mortar
    1338560Perry Branch1208 Washington Street, Perry, GA 31069September 14, 1987Full Service Brick and Mortar
    16356818Houston Lake Road Branch119 South Houston Lake Road, Warner Robins, GA 31088January 24, 2000Full Service Brick and Mortar
    17432088Highway 96 Branch849 Warren Drive, Warner Robins, GA 31088September 07, 2004Full Service Brick and Mortar
    185400Jones County Branch282 West Clinton Street, Gray, GA 31032August 28, 1909Full Service Brick and Mortar
    20492927Mobile Messenger Service1120 Peachtreet Indurtrial Boulevard, Suwanee, GA 30024Febuary 24, 2003Limited Service Messenger
    22363539Alpharetta Branch2380 Old Milton Parkway, Alpharetta, GA 30009September 19, 2003Full Service Brick and Mortar
    23492928Messenger Service2380 Old Milton Parkway, Alpharetta, GA 30004September 19, 2003Limited Service Messenger
    24494740Pinehurst Branch321 Fullington Avenue, Pinehurst, GA 31070August 19, 2009Full Service Brick and Mortar
    2561115East Paces Branch415 East Paces Ferry Road, Atlanta, GA 30305Febuary 06, 1998Full Service Brick and Mortar
    27419575The Johns Creek Community Bank Branc3325 Paddocks Parkway, Suite 140, Suwanee, GA 30024April 01, 2003Limited Service Loan Production
    29445002Midtown Branch860 Peachtree Street, Suite J, Atlanta, GA 30308October 03, 2005Full Service Brick and Mortar
    3332687Norcross Branch6170 Peachtree Parkway At Peachtree Corners, Norcross, GA 30092June 25, 1985Full Service Brick and Mortar
    34276937Chastain Branch4241 Roswell Road, N.E., Atlanta, GA 30342June 01, 1936Full Service Brick and Mortar
    38472698Marietta Branch250 Church Street, Marietta, GA 30060December 10, 2007Full Service Brick and Mortar
    43360191Piedmont Community Bank Branch110 Highway 18 Connector, Gray, GA 31032July 22, 2002Full Service Brick and Mortar
    44453011Bass Road Branch1611 Bass Road, Macon, GA 31210July 20, 2006Full Service Brick and Mortar
    45334386Community Capital Bank Branch2236 Mount Zion Road, Jonesboro, GA 30236August 05, 2002Full Service Brick and Mortar
    46365940Messenger Service2236 Mount Zion Road, Jonesboro, GA 30236December 09, 2002Limited Service Messenger
    47464076Fayetteville Branch655 North Jeff Davis Drive, Fayetteville, GA 30214December 06, 2006Full Service Brick and Mortar
    48526373Gray Branch110 Bill Conn Pkwy, Gray, GA 31032October 15, 2011Full Service Brick and Mortar

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