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- Banks in Georgia (GA)
- The Central Bank
The Central Bank in Swainsboro, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of December 02, 1994
- The Central Bank in Swainsboro, Georgia (GA)
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The Central Bank - Overview
- General
- FDIC Certificate #: 890
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Liberty Bank (#29568)
Federal Reserve ID: 431435
Date Established: November 09, 1920
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 568
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 02, 1994
Last Structure Change Process Date: December 15, 1994
Last Data Update: December 15, 1994
Data Source Date: April 05, 2012 - Location
- Address: 205 South Main Street, Swainsboro, GA 30401
County: Emanuel
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 - Financial Summary
- Total assets: $57.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1993)
- Dollar figures in thousands
- 0Total employees (full-time equivalent)
- $22Total assets
- $58,655Cash and due from depository institutions
- $2,054Interest-bearing balances
- $250Securities
- $25,184Federal funds sold & reverse repurchase agreements
- $8,100Net loans & leases
- $22,125Loan loss allowance
- $440Trading account assets
- $0Bank premises and fixed assets
- $85Other real estate owned
- $93Goodwill and other intangibles
- $667Life insurance assets
- $347All other assets
- $0Total liabilities and capital
- $58,655Total liabilities
- $54,013Total deposits
- $53,499Interest-bearing deposits
- $49,424Deposits held in domestic offices
- 53499.00%% insured (estimated)
- $94Federal funds purchased & repurchase agreements
- $0Trading liabilities
- $0Other borrowed funds
- $316Subordinated debt
- $0All other liabilities
- $198Total equity capital
- $198Total bank equity capital
- $4,642Perpetual preferred stock
- $0Common stock
- $200Surplus
- $1,800Undivided profits
- Memoranda
- $2,642Noncurrent loans and leases
- $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $476Income earned, not collected on loans
- $317Earning assets
- $55,659Long-term assets (5+ years)
- $8,239Average Assets, year-to-date
- $58,444Average Assets, quarterly
- $58,447Volatile liabilities
- $4,526Insider loans
- $138FHLB advances
- $0Loans and leases held for sale
- $0Unused loan commitments
- $937Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $4,295Total risk weighted assets
- $23,591Total unused commitments
- $0Restructured Loans and leases
- $0Derivatives
Income and Expense (December 31, 1993)
- Dollar figures in thousands
- $0Total interest income
- $4,064Total interest expense
- $2,032Net interest income
- $2,032Provision for loan and lease losses
- $293Total noninterest income
- $370Fiduciary activities
- $0Service charges on deposit accounts
- $305Trading account gains & fees
- $0Additional noninterest income
- $65Total noninterest expense
- $1,519Salaries and employee benefits
- $662Premises and equipment expense
- $319Additional noninterest expense
- $538Pre-tax net operating income
- $590Securities gains (losses)
- $145Applicable income taxes
- $233Income before extraordinary items
- $502Extraordinary gains - net
- $0Net income attributable to bank
- $502Net charge-offs
- $87Cash dividends
- $100Sale, conversion, retirement of capital stock, net
- $0Net operating income
Performance and Condition Ratios (December 31, 1993)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 0.00%Yield on earning assets
- 7.48%Cost of funding earning assets
- 3.74%Net interest margin
- 3.74%Noninterest income to earning assets
- 0.68%Noninterest expense to earning assets
- 2.79%Net operating income to assets
- 0.69%Return on assets (ROA)
- 0.86%Pretax return on assets
- 1.26%Return on equity (ROE)
- 11.05%Retained earnings to average equity (YTD only)
- 8.85%Net charge-offs to loans
- 0.38%Credit loss provision to net charge-offs
- 336.78%Efficiency ratio
- 61,490Assets per employee
- 2.67%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 19.92%Loss allowance to loans
- 1.95%Loss allowance to noncurrent loans
- 92.44%Noncurrent assets plus other real estate owned to assets
- 0.97%Noncurrent loans to loans
- 2.11%Net loans and leases to deposits
- 41.36%Net loans and leases to core deposits
- 44.89%Equity capital to assets
- 7.91%Core capital (leverage) ratio
- 7.38%Tier 1 risk-based capital ratio
- 18.21%Total risk-based capital ratio
- Memoranda
- $19Average assets
- $58,444Average earning assets
- $4,544Average equity
- $54,358Average loans
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- Banks in Georgia (GA)
- The Central Bank
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