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Bb and T on 10 Silo Ln in Lavonia, GA

Welcome to Bb and T (B2B Banks - ATMs) on 10 Silo Ln in Lavonia, Georgia. This bank is listed on Bank Map under Banks - B2B Banks - ATMs. You can reach us on phone number (706) 356-8040. Our office is located on 10 Silo Ln, Lavonia, GA.


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    • Bb and T Branch Overview

    Available accounts

    CDs
    Checking
    Credit Cards
    Debit Cards
    Gift Cards
    IRAs
    Savings

    Contact details

    Address
    Bb and T
    10 Silo Ln, Lavonia
    30516 GA, USA

    Call Us
    (706) 356-8040


    For full contact details (including navigation data) to this bank have a look at the the column to your right (or scroll if you're viewing this on a mobile device.)

    Other banks near 10 Silo Ln

    Pinnacle Bank on 12321 Augusta Rd (1.1 miles away)
    Kesler- Patricia M on 5911 West Ave (1.1 miles away)
    Bb and T on 10 Silo Ln (4.8 miles away)
    Pinnacle Bank on 617 Church St (12.1 miles away)
    Bank Of America on 241 E Howell St (12.8 miles away)
    Atm USA LLC on 252 E Franklin St (12.8 miles away)
    Regions Bank on 168 E Doyle St (14.7 miles away)
    Pinnacle Bank on 27 N Broad St (18.8 miles away)
    Bb and T on 220 House Holloway Rd (20.5 miles away)
    Boyett- James C on 437 General Daniel Ave N (20.5 miles away)
    Regions Bank on 347 Old Athens Hwy (22.7 miles away)
    Habersham Bank on 282 Historic 441 Hwy (22.7 miles away)
    Regions Mortgage on 7041 Highway 441 S (22.7 miles away)
    First Citizens on 122 N Alexander St (22.7 miles away)
    Freedom Bank on 185 Oak St (22.7 miles away)
    Freedom Bank on 3165 Maysville Rd (23.2 miles away)
    First Commerce Bank on 1731 N Elm St (23.2 miles away)
    First Commerce Bank on 135 Bolton Dr (23.2 miles away)
    Regions Bank on 2123 N Elm St (23.2 miles away)
    Regions Bank on 241 Larkin St (27.7 miles away)

    This Bb and T is located nearby...

    Not sure where Bb and T on 10 Silo Ln is? The following places (sorted by popularity) are located nearby. We've also included the estimated walking distance.

    J Peters Grill & Bar (0.92 miles away / 18 min walk)
    LaCabana (0.39 miles away / 8 min walk)
    211 Main St Restaurant & Bakery (0.59 miles away / 12 min walk)
    Shoney's Restaurants (0.81 miles away / 16 min walk)
    McDonald's at 13786 Jones St (0.41 miles away / 8 min walk)
    Ty Cobb Hospital Lavonia Ga (1.03 miles away / 21 min walk)
    Zaxby's (0.91 miles away / 18 min walk)
    Ty Cobb Wellness Center (1.10 miles away / 22 min walk)
    Waffle House (0.28 miles away / 6 min walk)
    City of Lavonia (0.61 miles away / 12 min walk)

    Corporate overview

    The BB&T Corporation (Branch Banking & Trust, BBT) is an American bank founded in 1865. BBT had 32,211 employees in 2013 and operated over 1,800 branches. BBT offer retail and commercial banking services along financial services such as investments, insurance, mortgage, retail brokerage, corporate finance, consumer finance, payment services, leasing and trust.


    Total employees

    32,211

    Total branches

    1,278

    Total deposits

    $137 billion (The total dollar amount of cash deposits held by Branch Banking and Trust Company end of last financial quarter.)

    Total loans

    $115 billion (The total dollar amount of loans held by Branch Banking and Trust Company end of last financial quarter.)

    FDIC

    9846

    Year founded

    1872

    Financial Strength

    Texas Ratio

    12.29%

    Deposit Growth

    0.055%

    Core Capitalization Ratio

    9.04%

    Branch Banking and Trust Company Financial Statement

    Branch Banking and Trust Company
    200 W 2nd St
    Winston Salem, North Carolina 27101
    FDIC Certificate #9846
    Financial Summary as of 6/30/2013
    Source: FDIC Statistics on Depository Institutions
    (All Numbers in Thousands)
    TOTAL ASSETS    		 $177,895,050
    Cash and Due from Depository Accounts $2,165,406
    Interest-Bearing Balances $727,744
    Securities $38,032,729
    Federal Funds Sold and Reverse Repurchase Agreements $0
    Net Loans and Leases $112,950,303
    Total Loans $114,680,000
    Loan Loss Allowance ($1,729,838)
    Trading Account Assets $707,787
    Bank Premises and Fixed Assets $1,880,256
    Other Real Estate Owned $317,073
    Goodwill and Other Intangibles $8,252,467
    All Other Assets $12,895,811
    TOTAL LIABILITIES    		 $156,136,201
    Total Deposits $137,189,272
    Interest-Bearing Deposits $103,428,654
    Deposits Held in Domestic Offices $137,189,272
    % Insured 46.93%
    Federal Funds Purchased and Repurchase Agreements $292,101
    Trading Liabilities $512,454
    Other Borrowed Funds $10,933,027
    Subordinated Debt $1,044,691
    All Other Liabilities $6,164,656
    TOTAL EQUITY    		 $21,758,849
    Total Bank Equity Capital $18,802,494
    Perpetual Preferred Stock $0
    Common Stock $24,437
    Surplus $13,904,052
    Undivided Profits $4,874,005
    Noncontrolling Interests in Consolidated Subsidiaries $2,956,355

    INCOME AND EXPENSE
    Net Interest Income $2,658,442
    Total Interest Income $3,008,045
    Total Interest Expense ($349,603)
    Provision For Loan and Lease Losses ($295,627)
    Total Noninterest Income $1,751,086
    Fiduciary Activities $63,485
    Service Charges on Deposit Accounts $281,064
    Trading Account Gains and Fees $41,128
    Additional Noninterest Income $1,365,409
    Total Noninterest Expense ($2,715,722)
    Salaries and Employee Benefits ($1,510,172)
    Premises and Equipment Expense ($332,322)
    Additional Noninterest Expense ($873,228)
    Pre-Tax Net Operating Income $1,398,179
    Securities Gains (Losses) $45,884
    Applicable Income Taxes $641,433
    Income Before Extraordinary Items $802,630
    Extraordinary Gains - Net $0
    Net Income Attributable to Bank $699,256
    Net Income Attributable to Noncontrolling Interests $103,374
    Net Income Attributable to Bank and Noncontrolling Interests $802,630
    Net Charge-Offs $432,201
    Cash Dividends $625,000
    Sale, Conversion, Retirement of Capital Stock, Net $54,002
    Net Operating Income $773,264

    PERFORMANCE AND CONDITION RATIOS
    Performance Ratios (%, Annualized)
    Yield on Earning Assets 3.93%
    Cost of Funding Earning Assets 0.46%
    Net Interest Margin 3.47%
    Noninterest Income to Average Assets 1.96%
    Noninterest Expense to Average Assets 3.05%
    Net Operating Income to Assets 0.87%
    Return on Assets (ROA) 0.78%
    Pretax Return on Assets 1.5%
    Return on Equity 7.44%
    Retained Earnings to Average Equity (YTD only) 0.79%
    Net Charge-offs to Loans 0.75%
    Credit Loss Provision to Net Charge-offs 68.4%
    Earnings Coverage of Net Loans Charge-Offs 3.92(x)
    Efficiency Ratio 60.39%
    Assets per employee ($ millions) $5.5228
    Cash Dividends to Net Income (YTD only) 89.38%
    Condition Ratios (%)
    Loss Allowance to Loans 1.5%
    Loss Allowance to Noncurrent Loans 72.86%
    Noncurrent Assets Plus Other Real Estate Owned to Assets 1.51%
    Noncurrent Loans to Loans 2.06%
    Net Loans and Lease to Deposits 82.84%
    Net Loans and Leases to Core Deposits 94.79%
    Equity Capital to Assets 10.57%
    Core Capital Ratio 9.04%
    Tier 1 Risk-based Capital Ratio 11.46%
    Total Risk-based Capital Ratio 13.16%

    OTHER KEY FIGURES
    Asset-Side
    Average Assets $178,288,689
    Average Earning Assets $153,240,560
    Average Loans $115,321,313
    Noncurrent Loans and Leases $2,374,352
    Noncurrent Loans that are Wholly or Partially Guaranteed by the U.S. Government $791,369
    Income Earned, Not Collected on Loans $465,726
    Earning Assets $152,632,147
    Long-Term Assets (5+ Years) $73,033,730
    Average Assets, YTD $178,288,689
    Average Assets, 2 Year $177,000,977
    Total Risk Weighted Assets $134,101,851
    Adjusted Average Assets for Leverage Capital Purposes $169,960,426
    Life Insurance Assets $3,566,129
    General Account Life Insurance Assets $2,195,464
    Separate Account Life Insurance Assets $1,072,530
    Hybrid Account Life Insurance Assets $298,135
    Insider Loans $442,533
    Loans and Leases Held For Sale $2,488,275
    Liability-Side
    Volatile Liabilities $16,441,672
    FHLB Advances $8,557,764
    Unused Loan Commitments $42,592,291
    Total Unused Commitments $42,592,291
    Equity-Side
    Average Equity $18,787,498
    Tier 1 (core) Risk-Based Capital $15,368,408
    Tier 2 Risk-Based Capital $2,276,363
    Derivatives $64,155,695

    Routing numbers

    Bb and T Lavonia routing numbers are listed on this site along with more information about how to find your routing number. Call Bb and T for more information about routing numbers.

    Routing numbers to Bb and T in Lavonia are collected manually from the banks official website or provided by the Federal Reserve Financial Services Database.

    If you know where you opened your account you can find your routing number in the list below. Not sure? Your nine-digit routing number can also be found in the lower left corner of your checks (the number before your account number.)


    State Routing/Transit Number
    Alabama (AL) 0622-0398-4
    District of Columbia (DC) 0540-0154-7
    Florida (FL) 2631-9138-7
    Georgia (GA) 0611-1341-5
    Indiana (IN) 0839-7428-9
    Kentucky (KY) 0839-0068-0
    Maryland (MD) 0550-0330-8
    North Carolina (NC) 0531-0112-1
    South Carolina (SC) 0532-0160-7
    Tennessee (TN) 1110-1769-4
    Virginia (VA) 0514-0426-0
    West Virginia (WV) 0515-0339-4

    Job Openings

    Open positions for Bb and T in Lavonia.

    Consumer Complaint Stats

    Product / Complaint category Complaints in 2013
    Bank account or service6
    Mortgage2

    Bb and T Consumer Complaints (Georgia, 2013)

    Average ratio for Bb and T: 0.41 complaints per branch.These numbers are gathered from the CFPB (Consumer Financial Protection Bureau) to give you a transparent overview of complaints Bb and T in Georgia received in 2013.

    Having problems with your bank? File a bank account or service complaint here.

    Bb and T Bank Hours (Business hours)

    These are the bank hours for Bb and T. Call (706) 356-8040 to learn more about office hours. Please note that these bank hours are general and other hours of operation may apply on certain holidays.

    Mon: 9:00 - 5:00
    Tue: 9:00 - 5:00
    Wed: 9:00 - 5:00
    Thu: 9:00 - 5:00
    Fri: 9:00 - 6:00
    Sat: CLOSED
    Sun: CLOSED

    Fees, interest rates and costs

    There's currently no additional information available about fees or rates for Bb and T.

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    Address

    Bank location


    Bank address

    Bb and T
    10 Silo Ln
    Lavonia, GA 30516

    Navigation data

    Area Code: 706
    Latitude: 34.442966
    Longitude: -83.113525
    County: Hart
    FIPS county code: 13147
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    External resources

    ATM locator
    Routing Numbers
    Official website

    Phone

    Phone: (706) 356-8040
    Fax: No listed fax number.

    Email address

    No listed email address.

    Areas of practice

    Bb and T is listed under B2B Banks - ATMs in Lavonia, Georgia .

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