pab bankshares, inc. - SNL Financial

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10.17 Form of Investment Agreement for Series A Preferred Stock (incorporated by reference to Exhibit 10.2 to the Registrant’s Quarterly Report on Form 10-Q for the fiscal quarter ended March 31, 2009). 10.17.1 Form of Amendment to Investment Agreement for Series A Preferred Stock (incorporated by reference to Exhibit 10.2 to the Registrant’s Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2009). 21.1 Subsidiaries of the Registrant. 23.1 Consent of Mauldin & Jenkins, LLC. 31.1 Rule 13a-14(a) Certification of Chief Executive Officer. 31.2 Rule 13a-14(a) Certification of Chief Financial Officer. 32.1 Section 1350 Certification of Chief Executive Officer. 32.2 Section 1350 Certification of Chief Financial Officer. 134
SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. Date: March 9, 2010 PAB BANKSHARES, INC. By: /s/ Donald J. Torbert, Jr. Donald J. Torbert, Jr. President and Chief Executive Officer Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated. Signature Title Date /s/ R. Bradford Burnette Director March 9, 2010 R. Bradford Burnette ______________________ Director, Chairman ____________ James L. Dewar, Jr. /s/ James W. Godbee, Jr. Director March 9, 2010 James W. Godbee, Jr., CPA /s/ Michael H. Godwin Director March 9, 2010 Michael H. Godwin /s/ Thompson Kurrie, Jr. Director, Vice Chairman March 9, 2010 Thompson Kurrie, Jr. /s/ James B. Lanier, Jr. Director March 9, 2010 James B. Lanier, Jr. /s/ John E. Mansfield, Jr. Director March 9, 2010 John E. Mansfield, Jr. /s/ Kennith D. McLeod Director March 9, 2010 Kennith D. McLeod, CPA /s/ Douglas W. McNeill Director, Vice Chairman March 9, 2010 Douglas W. McNeill /s/ Paul E. Parker Director March 9, 2010 Paul E. Parker /s/ F. Ferrell Scruggs, Sr. Director March 9, 2010 F. Ferrell Scruggs, Sr. /s/ Nicole S. Stokes Executive Vice President and March 9, 2010 Nicole S. Stokes, CPA Chief Financial Officer (Principal Financial and Accounting Officer) /s/ Donald J. Torbert, Jr. President and Chief Executive March 9, 2010 Donald J. Torbert, Jr. Officer (Principal Executive Officer) 135
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2009 Annual Report
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UNITED STATES SECURITIES AND EXCHAN
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TABLE OF CONTENTS Item Page Caution
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PART I ITEM 1. BUSINESS General PAB
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North Georgia During the fourth qua
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Supervision and Regulation The bank
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Payment of Dividends PAB is a legal
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An institution that is categorized
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USA Patriot Act of 2001 In October
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If our allowance for loan losses is
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Our net interest income could be ne
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We may need to raise additional cap
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If we fail to continue to meet all
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Performance Graph The following gra
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GAAP Reconciliation and Management
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The three primary reasons for this
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At December 31, 2009, commercial re
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Average Balances, Interest and Yiel
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Loan Portfolio We make both secured
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A summary of loans from each market
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The following table summarizes our
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The first component of the allowanc
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Summary of Loan Loss Experience The
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The following table summarizes our
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On September 4, 2009, the Company b
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Provision for Loan Losses The provi
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Income Taxes The provision for inco
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We have reduced the level of asset-
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MANAGEMENT’S REPORT ON INTERNAL C
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Because of its inherent limitations
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PAB BANKSHARES, INC. AND SUBSIDIARI
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NOTES TO CONSOLIDATED FINANCIAL STA
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Page 85 and 86: NOTES TO CONSOLIDATED FINANCIAL STA
Page 109 and 110: JAMES W. GODBEE, JR Certified Publi
Page 111 and 112: KENNITH D. MCLEOD Certified Public
Page 113 and 114: The Audit Committee is a separately
Page 115 and 116: SECTION 16(a) BENEFICIAL OWNERSHIP
Page 117 and 118: Compensation Benchmarks and Use of
Page 119 and 120: The following table summarizes in t
Page 121 and 122: Base Salaries The Company’s philo
Page 125 and 126: (1) The listed stock option grants
Page 127 and 128: Potential Payments Upon Termination
Page 131 and 132: (5) Includes 1,659,310 shares owned
Page 133 and 134: All related party transactions set
Page 135: 10.5 Rescission Agreement, dated De
Page 139 and 140: Shareholder Information Corporate O
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