The Central and Southern Bank of Georgia in Milledgeville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 19, 1999

  • The Central and Southern Bank of Georgia in Milledgeville, Georgia (GA)
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The Central and Southern Bank of Georgia - Overview

  • General
  • FDIC Certificate #: 8027
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Premier Bank (#26307)
    Federal Reserve ID: 800639
    Date Established: October 13, 1884
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 12581
    FDIC's unique #: 5108
    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: March 19, 1999
    Last Structure Change Process Date: April 30, 1999
    Last Data Update: April 30, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 150 West Green Street, Milledgeville, GA 31061
    County: Baldwin
    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
    Core Based Statistical Area (CBSA): Milledgeville, GA (#33300)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $222.2 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, 1998)

  • Dollar figures in thousands
  • 66Total employees (full-time equivalent)
  • $222,242Total assets
  • $10,396Cash and due from depository institutions
  • $0Interest-bearing balances
  • $27,346Securities
  • $49,635Federal funds sold & reverse repurchase agreements
  • $127,985Net loans & leases
  • $3,112Loan loss allowance
  • $0Trading account assets
  • $5,026Bank premises and fixed assets
  • $181Other real estate owned
  • $450Goodwill and other intangibles
  • $0Life insurance assets
  • $1,223All other assets
  • $222,242Total liabilities and capital
  • $200,021Total liabilities
  • $193,041Total deposits
  • $171,460Interest-bearing deposits
  • $193,041Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,570Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $3,410All other liabilities
  • $22,221Total equity capital
  • $22,221Total bank equity capital
  • $22,221Perpetual preferred stock
  • $0Common stock
  • $1,200Surplus
  • $15,000Undivided profits
  • Memoranda
  • $6,021Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $148Earning assets
  • $0Long-term assets (5+ years)
  • $824Average Assets, year-to-date
  • $204,966Average Assets, quarterly
  • $21,148Volatile liabilities
  • $195,890Insider loans
  • $218,457FHLB advances
  • $25,704Loans and leases held for sale
  • $1,788Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $27,415Total unused commitments
  • $0Restructured Loans and leases
  • $141,973Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $15,324Total interest income
  • $7,733Total interest expense
  • $7,591Net interest income
  • -$300Provision for loan and lease losses
  • $1,406Total noninterest income
  • $0Fiduciary activities
  • $761Service charges on deposit accounts
  • $0Trading account gains & fees
  • $645Additional noninterest income
  • $4,608Total noninterest expense
  • $2,548Salaries and employee benefits
  • $826Premises and equipment expense
  • $1,234Additional noninterest expense
  • $4,689Pre-tax net operating income
  • $8Securities gains (losses)
  • $1,649Applicable income taxes
  • $3,048Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,048Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$399Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.51%Yield on earning assets
  • 4.30%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 2.56%Noninterest expense to earning assets
  • 1.55%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 2.40%Pretax return on assets
  • 14.80%Return on equity (ROE)
  • 14.80%Retained earnings to average equity (YTD only)
  • -0.32%Net charge-offs to loans
  • 75.19%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 50,806Assets per employee
  • 3.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.37%Loss allowance to noncurrent loans
  • 2102.70%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 66.30%Net loans and leases to core deposits
  • 74.89%Equity capital to assets
  • 10.00%Core capital (leverage) ratio
  • 9.96%Tier 1 risk-based capital ratio
  • 15.23%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $195,890Average earning assets
  • $20,597Average equity
  • $180,026Average loans

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