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

This bank is inactive as of January 01, 2000

  • 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

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