pab bankshares, inc. - SNL Financial

More documents

Recommendations

Info

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
Page 1 and 2:
2009 Annual Report
Page 3 and 4:
UNITED STATES SECURITIES AND EXCHAN
Page 5 and 6:
TABLE OF CONTENTS Item Page Caution
Page 7 and 8:
PART I ITEM 1. BUSINESS General PAB
Page 9 and 10:
North Georgia During the fourth qua
Page 11 and 12:
Supervision and Regulation The bank
Page 13 and 14:
Payment of Dividends PAB is a legal
Page 15 and 16:
An institution that is categorized
Page 17 and 18:
USA Patriot Act of 2001 In October
Page 19 and 20:
If our allowance for loan losses is
Page 21 and 22:
Our net interest income could be ne
Page 23 and 24:
We may need to raise additional cap
Page 25 and 26:
If we fail to continue to meet all
Page 27 and 28:
Performance Graph The following gra
Page 29 and 30:
GAAP Reconciliation and Management
Page 31 and 32:
The three primary reasons for this
Page 33 and 34:
At December 31, 2009, commercial re
Page 35 and 36:
Average Balances, Interest and Yiel
Page 37 and 38:
Loan Portfolio We make both secured
Page 39 and 40:
A summary of loans from each market
Page 41 and 42:
The following table summarizes our
Page 43 and 44:
The first component of the allowanc
Page 45 and 46:
Summary of Loan Loss Experience The
Page 47 and 48:
The following table summarizes our
Page 49 and 50:
On September 4, 2009, the Company b
Page 51 and 52:
Provision for Loan Losses The provi
Page 53 and 54:
Income Taxes The provision for inco
Page 55 and 56:
We have reduced the level of asset-
Page 57 and 58:
MANAGEMENT’S REPORT ON INTERNAL C
Page 59 and 60:
Because of its inherent limitations
Page 61 and 62:
PAB BANKSHARES, INC. AND SUBSIDIARI
Page 63 and 64:
Page 65 and 66:
Page 67 and 68:
Page 69 and 70:
NOTES TO CONSOLIDATED FINANCIAL STA
Page 71 and 72:
Page 73 and 74:
Page 75 and 76:
Page 77 and 78:
Page 79 and 80:
Page 81 and 82:
Page 83 and 84:
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
show all

pab bankshares, inc. - SNL Financial

Create successful ePaper yourself

Delete template?

Save as template?