<SEC-DOCUMENT>0001171843-16-007372.txt : 20160126
<SEC-HEADER>0001171843-16-007372.hdr.sgml : 20160126
<ACCEPTANCE-DATETIME>20160126080018
ACCESSION NUMBER:		0001171843-16-007372
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160126
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160126
DATE AS OF CHANGE:		20160126

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			COLONY BANKCORP INC
		CENTRAL INDEX KEY:			0000711669
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				581492391
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-12436
		FILM NUMBER:		161359992

	BUSINESS ADDRESS:	
		STREET 1:		115 SOUTH GRANT STREET
		STREET 2:		.
		CITY:			FITZGERALD
		STATE:			GA
		ZIP:			31750
		BUSINESS PHONE:		229-426-6000

	MAIL ADDRESS:	
		STREET 1:		115 SOUTH GRANT STREET
		STREET 2:		.
		CITY:			FITZGERALD
		STATE:			GA
		ZIP:			31750
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_012516.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"><html><head></head><body style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;">&#160;</div></div><p style="font-size: 14pt;" align="center"><strong>UNITED STATES</strong><br><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br><strong>Washington, D.C. 20549<br></strong>______________________</p><p style="font-size: 14pt; text-transform: uppercase;" align="center"><strong>Form 8-K<br></strong>______________________</p><p style="font-size: 12pt;" align="center"><strong>CURRENT REPORT</strong></p><p style="font-size: 12pt;" align="center"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></p><p align="center">Date of Report (Date of earliest event Reported):&#160;January 26, 2016 </p><p align="center"><strong style="font-size: 14pt;">Colony Bankcorp, Inc.</strong><br>(Exact Name of Registrant as Specified in Charter)</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><strong>Georgia</strong></td><td align="center" width="34%"><strong>000-12436</strong></td><td align="center" width="33%"><strong>58-1492391</strong></td></tr><tr valign="top"><td align="center" width="33%">(State or Other Jurisdiction of Incorporation)</td><td align="center" width="34%">(Commission File Number)</td><td align="center" width="33%">(I.R.S. Employer Identification Number)</td></tr></table><p>&#160;</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="50%"><strong>115 South Grant Street, Fitzgerald, Georgia 31750<!----></strong></td></tr><tr valign="top"><td align="center" width="50%">(Address of Principal Executive Offices) (Zip Code)</td></tr></table><p align="center"><strong>(229) 426-6000</strong><br>(Registrant's telephone number, including area code)</p><p align="center"><strong></strong><br>(Former name or former address, if changed since last report)</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:<br><br></td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[  ]</td><td nowrap="nowrap">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td></tr></table><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;">&#160;</div>&#160;</div><hr style="page-break-after: always;" noshade="noshade"><p>  <strong> &#160;</strong></p><p><strong>Item 2.02. Results of Operations and Financial Condition.</strong></p><p>On January 26, 2016, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</p><p><strong>Item 9.01. Financial Statements and Exhibits.</strong></p><p>Exhibit 99.1.   Press release dated January 26, 2016</p><p><p> </p><p>&#160;</p><hr style="page-break-after: always;" noshade="noshade"><p align="center"><strong>SIGNATURE</strong></p><p>Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%">&#160;</td><td style="font-size: 12pt;" colspan="2" valign="top"><strong>Colony Bankcorp, Inc.</strong></td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">&#160;</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">&#160;</td></tr><tr valign="top"><td width="49%">Date:&#160;January 26, 2016</td><td width="2%">By:&#160;</td><td style="text-decoration: underline;" width="49%">/s/ Terry L. Hester&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">Name: Terry L. Hester</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">Title: Executive Vice-President and<br>Chief Financial Officer</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%"></td></tr></table><p><hr style="page-break-after: always;" noshade="noshade"><p style="text-align: center;"><strong>EXHIBIT INDEX</strong></p><p style="text-align: center;">&#160;</p><table border="0" cellspacing="0" cellpadding="0" style=""><tr><td style="text-decoration: underline;" valign="bottom"><strong>Exhibit Number</strong></td><td width="20">&#160;</td><td style="text-decoration: underline;" valign="bottom"><strong>Description</strong></td></tr><tr><td>&#160;</td><td width="20">&#160;</td><td>&#160;</td></tr><tr><td>99.1</td><td width="20">&#160;</td><td>Press Release dated January 26, 2016</td></tr></table><p>&#160;</p><p>&#160;</p></p></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252"><meta name="GENERATOR" content="MSHTML 8.00.7601.18094"></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>Colony&#160;Bankcorp,&#160;Inc.&#160;Announces&#160;Fourth&#160;Quarter&#160;Results</strong></p><p style="text-align: center;"><p> <p>FITZGERALD, Ga., Jan.  26, 2016  (GLOBE NEWSWIRE) -- Colony Bankcorp, Inc. (Nasdaq:CBAN), today reported net income available to shareholders of $1,584,000, or $0.19 per diluted share for the fourth quarter of 2015 compared to $1,310,000, or $0.16 per diluted share for the comparable 2014 period, while net income available to shareholders for calendar year 2015 was $5,998,000, or $0.71 per diluted share compared to $4,843,000, or $0.57 per share for the comparable 2014 period.&#160; This increase of 23.85 percent in net income for the comparable twelve month period was primarily driven by a reduction in provision for loan losses, noninterest expense and preferred stock dividend payments.&#160; &#8220;In addition to solid earnings for the year, we also had significant asset quality improvement.&#160; Total non-performing assets were $23.25 million at December 31, 2015, which is a reduction of 19.10 percent from the prior year end. &#160;Though modest, we also realized an increase in total loans, net of reserves to $749.68 million at December 31, 2015 compared to $736.93 a year ago,&#8221; said Ed Loomis, President and Chief Executive Officer.&#160; &#8220;The highlight during the quarter was approval by regulatory agencies to redeem another 5,146 shares of preferred stock at par.&#160; &#160;Total redemption in 2015 was $9.979 million which reduces our preferred stock by 35.64 percent from a year ago.&#160; On an annual basis this reduces our dividend payment by $898 thousand.&#160; We intend to further reduce our preferred stock during 2016 which will be immediately accretive to earnings.&#8221;<br></p>  <p><strong>Capital</strong></p>  <p>Colony continues to maintain a strong regulatory capital position to be categorized as &#8220;well-capitalized&#8221; by regulatory benchmarks.&#160; At December 31, 2015, the Company&#8217;s tier one leverage ratio, tier one and total risk-based capital ratios were 10.69 percent, 15.51 percent and 16.59 percent, respectively, compared to 11.18 percent, 16.78 percent and 17.95 percent, respectively, at December 31, 2014 and to 10.57 percent, 15.81 percent and 17.06 percent, respectively, at December 31, 2013. &#160;Effective January 1, 2015, new regulatory regulations (commonly referred to as Basel III capital regulation) required new risk-weighting of certain assets and an additional capital ratio to be calculated.&#160; The common equity tier one capital ratio at December 31, 2015 of 10.29 percent exceeded the minimum requirement of 4.50 percent. &#160;&#160;The Company&#8217;s capital ratios were all in excess of regulatory minimums required to be classified as &#8220;well-capitalized&#8221;.</p>  <p><strong>Net Interest Margin</strong>&#160;</p>  <p>During the fourth quarter of 2015, the Company reported net interest income of $9.76 million and a net interest margin of 3.63 percent compared to $9.50 million and 3.59 percent, respectively, for fourth quarter 2014, while net interest income for twelve months ended December 31, 2015 was $37.71 million and a net interest margin of 3.52 percent compared to $37.96 million and 3.60 percent, respectively, for the comparable 2014 period. &#160;The low interest rate environment continues to be challenging for the banking industry.&#160; In December, Federal Reserve initiated their first interest rate hike since 2006 and we anticipate further rate increases by the Federal Reserve in 2016.&#160; This action should positively impact our margin going forward.</p>  <p><strong>Asset Quality</strong></p>  <p>The Company continues to monitor our substandard and non-performing assets and focus on problem asset resolution.&#160; Substandard assets that include non-performing assets totaled $41.24 million at December 31, 2015 compared to $43.29 million and $53.45 million, respectively, at December 31, 2014 and December 31, 2013.&#160; Substandard assets adjusted for SBA guarantees to tier one capital plus loan loss reserve ratio was 31.36%, 32.39% and 39.22%, respectively, at December 31, 2015, December 31, 2014 and December 31, 2013.&#160; The current quarter was slightly impacted due to the reduction in capital associated with the $5.146 million preferred stock redemption. Non-performing assets decreased from the previous quarter end to $23.25 million or 3.03 percent of total loans and other real estate owned as of December 31, 2015.&#160; This compares to $28.74 million or 3.80 percent and $39.61 million or 5.17 percent, respectively, as of December 31, 2014 and December 31, 2013. &#160; &#160; &#160;&#160;</p>  <p>Other real estate (&#8220;OREO&#8221;) totaled $8.84 million at December 31, 2015 compared to $10.40 million and $15.50 million, respectively, at December 31, 2014 and December 31, 2013. &#160;Activity during the fourth quarter resulted in a decrease of $2.16 million, or 19.63 percent reduction from the previous quarter end.&#160; Colony has established a target of twelve months to liquidate improved properties due to the high carrying cost of taxes, insurance, maintenance and repairs associated with holding these properties on our books.&#160;</p>  <p>In the fourth quarter of 2015 net charge-offs (recoveries) were ($77) thousand, or (0.01) percent of average loans as compared to net charge-offs of $986 thousand, or 0.13 percent of average loans in fourth quarter 2014, while year to date 2015 net charge-offs were $1.06 million, or 0.14 percent of average loans as compared to net charge-offs of $4.31 million, or 0.58 percent of average loans for the comparable 2014 period.&#160; The loan loss reserve was $8.60 million or 1.13 percent of total loans on December 31, 2015 compared to $8.80 million or 1.18 percent and $11.81 million or 1.57 percent, respectively, at December 31, 2014 and December 31, 2013.&#160; Loan loss reserve methodology resulted in three months ended December 31, 2015 provision for loan losses of $125 thousand compared to $0 for the comparable 2014 period, while year to date 2015 provision for loan losses was $866 thousand compared to $1.31 million for the comparable 2014 period.</p>  <p><strong>Noninterest Income</strong></p>  <p>Total noninterest income declined modestly in the comparable periods as noninterest income for twelve months ended December 31, 2015 was $9.05 million compared to $9.13 million in the comparable 2014 period, or a decrease of 0.88 percent. &#160;Service charge income on deposits decreased by $300 thousand or 6.57 percent while mortgage fee income increased by $107 thousand or 25.48 percent and other fee income increased $158 thousand or 6.40 percent to partially offset the service charge decline.</p>  <p><strong>Noninterest Expense</strong></p>  <p>Total noninterest expense decreased in the comparable periods as noninterest expense for twelve months ended December 31, 2015 was $33.73 million compared to $34.98 million for the comparable 2014 period, or a decrease of 3.59 percent.&#160; Improved asset quality is attributable for much of the reduction with a significant decrease in credit-related expenses.&#160; Repossession and foreclosure expense decreased from $850 thousand to $639 thousand for the comparable periods and loss on sale of OREO properties decreased from $1.85 million to $1.04 million.&#160; Salaries and employee benefit expenses remained relatively flat with an increase of 0.47 percent.&#160; Occupancy expense was also relatively flat with a decrease of 1.82 percent. &#160;The efficiency ratio improved to 71.92 percent for twelve months ended December 31, 2015 compared to 74.16 percent for the comparable 2014 period, or a decrease of 3.02 percent.&#160;&#160; The company continues to explore opportunities to further improve its operating efficiency.</p>  <p>Colony Bankcorp, Inc. is a bank holding company headquartered in Fitzgerald, Georgia that consists of one operating subsidiary, Colony Bank.&#160; Colony Bank conducts a general full service commercial, consumer and mortgage banking business through twenty-nine offices located in the central, southern and coastal Georgia cities of Albany, Ashburn, Broxton, Centerville, Chester, Columbus, Cordele, Douglas, Eastman, Fitzgerald, Leesburg, Moultrie, Pitts, Quitman, Rochelle, Savannah, Soperton, Sylvester, Thomaston, Tifton, Valdosta and Warner Robins, Georgia.&#160;</p>  <p>Colony Bankcorp, Inc. Common Stock is quoted on the Nasdaq Global Market under the symbol &#8220;CBAN&#8221;.</p>  <p>Certain statements contained in the preceding release that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the &#8220;Act&#8221;), notwithstanding that such statements are not specifically identified.&#160; In addition, certain statements may be contained in the Company&#8217;s future filings with the SEC, in press releases, and in oral and written statements made by or with the approval of the Company that are not statements of historical fact and constitute forward-looking statements within the meaning of the Act.&#160; Examples of forward-looking statements include, but are not limited to: (i) projections of revenues, income or loss, earnings or loss per share, the payment or nonpayment of dividends, capital structure and other financial items; (ii) statement of plans and objectives of Colony Bankcorp, Inc. or its management or Board of Directors, including those relating to products or services; 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vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,686</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: middle ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,602</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: right ; 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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
