SunTrust Bank, South Georgia, National Association in city_name, state_name

SunTrust Bank, South Georgia, National Association in Albany, Georgia (GA)
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SunTrust Bank, South Georgia, National Association - Overview

General
FDIC Certificate #: 16331
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: SunTrust Bank (#867)
Federal Reserve ID: 1016736
Date Established: November 01, 1945
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 15 (Interstate: No)
OTS Docket #: 8995
FDIC's unique #: 10515
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: November 01, 1945
Last Structure Change Effective Date: January 01, 2000
Last Structure Change Process Date: March 29, 2000
Last Data Update: March 29, 2000
Data Source Date: April 05, 2012
Location
Address: 410 Broad Street, Albany, GA 31702
County: Dougherty
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): Albany, GA (#120)
Core Based Statistical Area (CBSA): Albany, GA (#10500)
CBSA Metro Statistical Area: Albany, GA (#10500)
Financial Summary
Total assets: $717.5 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, 1999)

Dollar figures in thousands
243Total employees (full-time equivalent)
$717,504Total assets
$51,867Cash and due from depository institutions
$2,148Interest-bearing balances
$74,200Securities
$15,716Federal funds sold & reverse repurchase agreements
$549,177Net loans & leases
$11,175Loan loss allowance
$0Trading account assets
$11,731Bank premises and fixed assets
$246Other real estate owned
$1,762Goodwill and other intangibles
$0Life insurance assets
$12,805All other assets
$717,504Total liabilities and capital
$657,990Total liabilities
$451,136Total deposits
$358,030Interest-bearing deposits
$451,136Deposits held in domestic offices
0.00%% insured (estimated)
$167,698Federal funds purchased & repurchase agreements
$0Trading liabilities
$33,363Other borrowed funds
$0Subordinated debt
$5,793All other liabilities
$59,514Total equity capital
$59,514Total bank equity capital
$59,514Perpetual preferred stock
$0Common stock
$900Surplus
$22,589Undivided profits
Memoranda
$36,025Noncurrent loans and leases
$152,818Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$5,874Earning assets
$0Long-term assets (5+ years)
$6,184Average Assets, year-to-date
$641,241Average Assets, quarterly
$78,259Volatile liabilities
$716,697Insider loans
$719,270FHLB advances
$231,732Loans and leases held for sale
$21,834Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$404Total risk weighted assets
$152,818Total unused commitments
$0Restructured Loans and leases
$7,205Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$54,156Total interest income
$23,188Total interest expense
$30,968Net interest income
$1,170Provision for loan and lease losses
$11,636Total noninterest income
$1,548Fiduciary activities
$4,930Service charges on deposit accounts
$0Trading account gains & fees
$5,158Additional noninterest income
$23,123Total noninterest expense
$9,426Salaries and employee benefits
$2,770Premises and equipment expense
$10,927Additional noninterest expense
$18,311Pre-tax net operating income
-$491Securities gains (losses)
$6,282Applicable income taxes
$11,538Income before extraordinary items
$0Extraordinary gains - net
$11,538Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$370Sale, conversion, retirement of capital stock, net
$12,000Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.26%Yield on earning assets
3.54%Cost of funding earning assets
4.72%Net interest margin
1.77%Noninterest income to earning assets
3.53%Noninterest expense to earning assets
1.65%Net operating income to assets
1.61%Return on assets (ROA)
2.49%Pretax return on assets
18.91%Return on equity (ROE)
-0.76%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
316.22%Credit loss provision to net charge-offs
52.65%Efficiency ratio
53,875Assets per employee
2.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
104.00%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
190.25%Noncurrent assets plus other real estate owned to assets
0.85%Noncurrent loans to loans
1.05%Net loans and leases to deposits
121.73%Net loans and leases to core deposits
136.33%Equity capital to assets
8.29%Core capital (leverage) ratio
8.05%Tier 1 risk-based capital ratio
10.17%Total risk-based capital ratio
Memoranda
$11Average assets
$716,697Average earning assets
$61,027Average equity
$655,550Average loans

SunTrust Bank, South Georgia, National Association in Albany, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

SunTrust Bank, South Georgia, National Association - Overview

Assets and Liabilities (December 31, 1999)

Income and Expense (December 31, 1999)

Performance and Condition Ratios (December 31, 1999)

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

SunTrust Bank, South Georgia, National Association in Albany, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

SunTrust Bank, South Georgia, National Association - Overview

Assets and Liabilities (December 31, 1999)

Income and Expense (December 31, 1999)

Performance and Condition Ratios (December 31, 1999)

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

SunTrust Bank, South Georgia, National Association in Albany, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches