Vitals
  • Total Assets
    64.2M 11.6 %
  • Total Deposits
    51.8M 12.3 %
  • Total Net Loans
    41.3M 9.4 %
  • Net Income
    1.0M 45.0 %
  • Book Value
    6.1M 18.4 %
  • Book Value x2
    12.2M 18.4 %
  • Book Value x3
    18.2M 18.4 %
ROAA

1.785

ROAE

18.137

Efficiency Ratio

59.711

Net Interest Margin

4.611

Balance Sheet Highlights
Financial Highlights Central Bank & Trust All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 64,227 185,759
Total Net Loans 41,297 137,560
Total Deposits 51,843 154,387
Total Equity 6,078 17,752
Profitability
Net Income 1,025 11,253
Return on Average Assets 1.785 1.405
Return on Average Equity 18.137 14.35
Net Interest Margin 4.611 4.561
Efficiency Ratio 59.711 62.186
Noninterest Income/Revenue 16.852 11.405
Balance Sheet Ratios
Loan-to-Deposit 79.658 84.834
Securities/Assets .154 .213
Total Equity/Total Assets .095 .096
Tangible Equity/Tangible Assets .095 -.929
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 6,189 17,144
Tier 2 Capital 531 1,758
Total Capital 6,720 18,847
Total Risk Weighted Assets 42,175 144,350
Leverage Ratio 10.71 10.263
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.67 13.733
Total Capital Ratio 15.93 14.902

Timeline for Central Bank & Trust

Ameris Bank

Central Bank & Trust was acquired by Ameris Bank 18 years

View Profile Feb 11 2006

Cordele Holding Company, Inc.

Cordele Holding Company, Inc. became a new subsidiary organization for Central Bank & Trust.

View Profile Jul 06 1999

Cordele Management Services, Inc.

Cordele Management Services, Inc. became a new subsidiary organization for Central Bank & Trust.

View Profile Feb 08 1999

Ameris Bancorp

Ameris Bancorp became a new parent organization for Central Bank & Trust.

View Profile Jul 31 1996

Central Bankshares, Inc.

Central Bankshares, Inc. became a new parent organization for Central Bank & Trust.

View Profile Jul 01 1993

Want to see more?

Complete timeline for Central Bank & Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Ameris Bank Buyer 6,487,996 Pooling of Interests Discontinued 2/11/2006
Relationships Role Relationship Start Relationship End
Ameris Bancorp Parent 7/31/1996 2/10/2006
Central Bankshares, Inc. Parent 7/1/1993 7/30/1996
Cordele Holding Company, Inc. Subsidary 7/6/1999 2/10/2006
Cordele Management Services, Inc. Subsidary 2/8/1999 3/17/1999
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