Home > The Central and Southern Bank of Georgia > Assets and Liabilities
The Central and Southern Bank of Georgia, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 66 | 2,692 |
| Assets and Liabilities | ||
| Total Assets: | $222,242,000 | 2,079 |
| Cash and due from depository institutions | $10,396,000 | 2,692 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $27,346,000 | 3,901 |
| Federal funds sold & reverse repurchase agreements | $49,635,000 | 344 |
| Net loans & leases | $127,985,000 | 2,192 |
| Loan loss allowance | $3,112,000 | 1,190 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $5,026,000 | 1,578 |
| Other real estate owned | $181,000 | 2,692 |
| Goodwill and other intangibles | $450,000 | 1,912 |
| All other assets | $1,223,000 | 5,210 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $222,242,000 | 2,079 |
| Total liabilities | $200,021,000 | 2,081 |
| Total deposits | $193,041,000 | 1,962 |
| Interest-bearing deposits | $171,460,000 | 1,887 |
| Deposits held in domestic offices | $193,041,000 | 1,957 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,570,000 | 1,635 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $3,410,000 | 1,307 |
| Total equity capital | $22,221,000 | 2,022 |
| Total bank equity capital | $22,221,000 | 2,022 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,200,000 | 2,743 |
| Surplus | $15,000,000 | 1,102 |
| Undivided profits | $6,021,000 | 3,884 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $148,000 | 6,716 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $824,000 | 2,776 |
| Earning assets | $204,966,000 | 2,075 |
| Long-term assets (5+ years) | $21,148,000 | 3,046 |
| Average Assets, year-to-date | $195,890,200 | 2,209 |
| Average Assets, quarterly | $218,456,500 | 2,076 |
| Volatile liabilities | $25,704,000 | 2,443 |
| Insider loans | $1,788,000 | 2,315 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $27,415,000 | 1,789 |
| Tier 1 (core) risk-based capital | $21,619,000 | 1,976 |
| Tier 2 risk-based capital | $1,791,180 | 1,777 |
| Total risk weighted assets | $141,973,380 | 1,998 |
| Total unused commitments | $27,415,000 | 1,795 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 73 | 2,464 |
| Assets and Liabilities | ||
| Total Assets: | $156,862,000 | 2,854 |
| Cash and due from depository institutions | $6,016,000 | 2,464 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $33,460,000 | 3,306 |
| Federal funds sold & reverse repurchase agreements | $13,233,000 | 996 |
| Net loans & leases | $99,255,000 | 2,782 |
| Loan loss allowance | $3,013,000 | 1,243 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,677,000 | 2,137 |
| Other real estate owned | $204,000 | 2,464 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,017,000 | 5,961 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $156,862,000 | 2,854 |
| Total liabilities | $137,633,000 | 2,919 |
| Total deposits | $125,410,000 | 2,976 |
| Interest-bearing deposits | $112,137,000 | 2,858 |
| Deposits held in domestic offices | $125,410,000 | 2,969 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,375,000 | 1,097 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $1,000,000 | 3,450 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,848,000 | 2,174 |
| Total equity capital | $19,229,000 | 2,320 |
| Total bank equity capital | $19,229,000 | 2,320 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,200,000 | 2,796 |
| Surplus | $15,000,000 | 1,090 |
| Undivided profits | $3,029,000 | 5,988 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $206,000 | 6,270 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $630,000 | 3,774 |
| Earning assets | $145,948,000 | 2,825 |
| Long-term assets (5+ years) | $17,157,000 | 3,092 |
| Average Assets, year-to-date | $155,152,200 | 2,743 |
| Average Assets, quarterly | $154,569,500 | 2,844 |
| Volatile liabilities | $29,840,000 | 2,152 |
| Insider loans | $2,888,000 | 1,469 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $20,034,000 | 2,101 |
| Tier 1 (core) risk-based capital | $19,021,000 | 2,245 |
| Tier 2 risk-based capital | $1,310,410 | 2,277 |
| Total risk weighted assets | $103,130,410 | 2,687 |
| Total unused commitments | $20,034,000 | 2,106 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 70 | 2,699 |
| Assets and Liabilities | ||
| Total Assets: | $159,818,000 | 2,873 |
| Cash and due from depository institutions | $7,512,000 | 2,699 |
| Interest-bearing balances | $1,250,000 | 2,124 |
| Securities | $51,519,000 | 2,374 |
| Federal funds sold & reverse repurchase agreements | $19,356,000 | 684 |
| Net loans & leases | $76,914,000 | 3,529 |
| Loan loss allowance | $3,008,000 | 1,330 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,181,000 | 2,460 |
| Other real estate owned | $250,000 | 2,699 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,086,000 | 5,903 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $159,818,000 | 2,873 |
| Total liabilities | $141,895,000 | 2,918 |
| Total deposits | $129,820,000 | 2,940 |
| Interest-bearing deposits | $118,270,000 | 2,792 |
| Deposits held in domestic offices | $129,820,000 | 2,932 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $10,521,000 | 1,119 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,554,000 | 2,491 |
| Total equity capital | $17,923,000 | 2,503 |
| Total bank equity capital | $17,923,000 | 2,503 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,200,000 | 2,988 |
| Surplus | $13,000,000 | 1,289 |
| Undivided profits | $3,723,000 | 5,367 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $223,000 | 6,410 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $516,000 | 4,496 |
| Earning assets | $149,039,000 | 2,829 |
| Long-term assets (5+ years) | $12,285,000 | 3,739 |
| Average Assets, year-to-date | $155,235,600 | 2,832 |
| Average Assets, quarterly | $155,813,000 | 2,911 |
| Volatile liabilities | $40,336,000 | 1,630 |
| Insider loans | $2,426,000 | 1,770 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $14,549,000 | 2,599 |
| Tier 1 (core) risk-based capital | $17,822,000 | 2,434 |
| Tier 2 risk-based capital | $1,154,220 | 2,604 |
| Total risk weighted assets | $90,483,920 | 3,052 |
| Total unused commitments | $14,549,000 | 2,611 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 80 | 2,423 |
| Assets and Liabilities | ||
| Total Assets: | $155,459,000 | 2,964 |
| Cash and due from depository institutions | $7,745,000 | 2,423 |
| Interest-bearing balances | $2,400,000 | 1,621 |
| Securities | $52,013,000 | 2,410 |
| Federal funds sold & reverse repurchase agreements | $13,187,000 | 1,079 |
| Net loans & leases | $79,112,000 | 3,350 |
| Loan loss allowance | $3,054,000 | 1,342 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,979,000 | 3,741 |
| Other real estate owned | $237,000 | 2,423 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,186,000 | 5,610 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $155,459,000 | 2,964 |
| Total liabilities | $138,507,000 | 2,998 |
| Total deposits | $130,635,000 | 2,951 |
| Interest-bearing deposits | $118,579,000 | 2,826 |
| Deposits held in domestic offices | $130,635,000 | 2,941 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,350,000 | 2,069 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $4,000,000 | 1,816 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,522,000 | 2,613 |
| Total equity capital | $16,952,000 | 2,632 |
| Total bank equity capital | $16,952,000 | 2,632 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,200,000 | 3,095 |
| Surplus | $13,000,000 | 1,286 |
| Undivided profits | $2,752,000 | 6,477 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $796,000 | 3,131 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $529,000 | 4,483 |
| Earning assets | $146,712,000 | 2,884 |
| Long-term assets (5+ years) | $15,516,000 | 3,013 |
| Average Assets, year-to-date | $154,329,400 | 2,859 |
| Average Assets, quarterly | $153,417,000 | 2,954 |
| Volatile liabilities | $33,548,000 | 1,725 |
| Insider loans | $2,183,000 | 1,968 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $11,357,000 | 3,004 |
| Tier 1 (core) risk-based capital | $16,575,000 | 2,597 |
| Tier 2 risk-based capital | $1,128,350 | 2,618 |
| Total risk weighted assets | $88,342,550 | 3,047 |
| Total unused commitments | $11,357,000 | 3,015 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 87 | 2,313 |
| Assets and Liabilities | ||
| Total Assets: | $158,472,000 | 2,859 |
| Cash and due from depository institutions | $4,956,000 | 2,313 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $57,144,000 | 2,298 |
| Federal funds sold & reverse repurchase agreements | $11,869,000 | 799 |
| Net loans & leases | $79,826,000 | 3,236 |
| Loan loss allowance | $3,160,000 | 1,331 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,702,000 | 4,189 |
| Other real estate owned | $673,000 | 2,313 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,302,000 | 3,392 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $158,472,000 | 2,859 |
| Total liabilities | $144,222,000 | 2,862 |
| Total deposits | $132,460,000 | 2,872 |
| Interest-bearing deposits | $119,669,000 | 2,758 |
| Deposits held in domestic offices | $132,460,000 | 2,861 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,715,000 | 1,548 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $4,000,000 | 1,914 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,047,000 | 2,975 |
| Total equity capital | $14,250,000 | 2,862 |
| Total bank equity capital | $14,250,000 | 2,862 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,200,000 | 3,212 |
| Surplus | $13,000,000 | 1,216 |
| Undivided profits | $50,000 | 11,412 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $871,000 | 2,917 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $503,000 | 4,201 |
| Earning assets | $148,839,000 | 2,788 |
| Long-term assets (5+ years) | $14,932,000 | 3,190 |
| Average Assets, year-to-date | $180,849,600 | 2,461 |
| Average Assets, quarterly | $161,026,000 | 2,796 |
| Volatile liabilities | $34,766,000 | 1,620 |
| Insider loans | $1,906,000 | 2,176 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $9,165,000 | 3,323 |
| Tier 1 (core) risk-based capital | $15,296,000 | 2,702 |
| Tier 2 risk-based capital | $1,157,020 | 2,562 |
| Total risk weighted assets | $90,558,820 | 2,915 |
| Total unused commitments | $9,165,000 | 3,333 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 110 | 1,902 |
| Assets and Liabilities | ||
| Total Assets: | $195,164,000 | 2,388 |
| Cash and due from depository institutions | $5,592,000 | 1,902 |
| Interest-bearing balances | $100,000 | 6,134 |
| Securities | $77,802,000 | 1,795 |
| Federal funds sold & reverse repurchase agreements | $9,700,000 | 1,408 |
| Net loans & leases | $95,198,000 | 2,726 |
| Loan loss allowance | $3,584,000 | 1,277 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,480,000 | 2,107 |
| Other real estate owned | $1,263,000 | 1,902 |
| Goodwill and other intangibles | $544,000 | 1,308 |
| All other assets | $1,585,000 | 4,226 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $195,164,000 | 2,388 |
| Total liabilities | $181,305,000 | 2,355 |
| Total deposits | $180,280,000 | 2,207 |
| Interest-bearing deposits | $165,912,000 | 2,086 |
| Deposits held in domestic offices | $180,280,000 | 2,193 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,025,000 | 3,057 |
| Total equity capital | $13,859,000 | 2,914 |
| Total bank equity capital | $13,859,000 | 2,914 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,200,000 | 3,307 |
| Surplus | $13,000,000 | 1,157 |
| Undivided profits | $-341,000 | 12,583 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,860,000 | 1,467 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $420,000 | 4,457 |
| Earning assets | $182,800,000 | 2,332 |
| Long-term assets (5+ years) | $30,361,000 | 1,889 |
| Average Assets, year-to-date | $208,776,600 | 2,161 |
| Average Assets, quarterly | $197,516,500 | 2,335 |
| Volatile liabilities | $15,989,000 | 2,868 |
| Insider loans | $1,398,000 | 2,835 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $4,928,000 | 4,936 |
| Tier 1 (core) risk-based capital | $13,315,000 | 2,970 |
| Tier 2 risk-based capital | $1,414,190 | 2,125 |
| Total risk weighted assets | $110,965,390 | 2,373 |
| Total unused commitments | $4,928,000 | 4,958 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 92 | 2,352 |
| Assets and Liabilities | ||
| Total Assets: | $228,750,000 | 2,077 |
| Cash and due from depository institutions | $6,918,000 | 2,352 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $77,667,000 | 1,738 |
| Federal funds sold & reverse repurchase agreements | $900,000 | 8,972 |
| Net loans & leases | $133,150,000 | 2,093 |
| Loan loss allowance | $3,971,000 | 1,210 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $3,507,000 | 2,101 |
| Other real estate owned | $3,118,000 | 2,352 |
| Goodwill and other intangibles | $600,000 | 1,265 |
| All other assets | $2,890,000 | 2,618 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $228,750,000 | 2,077 |
| Total liabilities | $215,237,000 | 2,038 |
| Total deposits | $213,355,000 | 1,933 |
| Interest-bearing deposits | $197,117,000 | 1,837 |
| Deposits held in domestic offices | $213,355,000 | 1,922 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,882,000 | 1,977 |
| Total equity capital | $13,513,000 | 2,859 |
| Total bank equity capital | $13,513,000 | 2,859 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,200,000 | 3,439 |
| Surplus | $12,500,000 | 1,145 |
| Undivided profits | $-187,000 | 12,852 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $397,000 | 6,365 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $653,000 | 3,064 |
| Earning assets | $211,717,000 | 2,047 |
| Long-term assets (5+ years) | $51,267,000 | 1,151 |
| Average Assets, year-to-date | $245,068,000 | 1,908 |
| Average Assets, quarterly | $237,158,000 | 1,987 |
| Volatile liabilities | $25,554,000 | 1,945 |
| Insider loans | $19,000 | 8,404 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $2,155,000 | 7,117 |
| Tier 1 (core) risk-based capital | $12,913,000 | 2,927 |
| Tier 2 risk-based capital | $1,963,310 | 1,622 |
| Total risk weighted assets | $155,056,910 | 1,821 |
| Total unused commitments | $2,155,000 | 7,146 |
| Derivatives | $0 | 651 |