Farmers State Bank in Dublin, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Farmers State Bank in Dublin, Georgia (GA)
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Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 19720
    Status: Active
    Federal Reserve ID: 113030
    Bank Holding Company (Regulatory Top Holder): Farmers Bancshares, Inc. (RSSDID: 1080885, Location: Dublin, GA)
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 16064
    FDIC's unique #: 13516
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 19, 1967
    Last Structure Change Effective Date: April 03, 2007
    Last Structure Change Process Date: April 03, 2007
    Last Data Update: April 03, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1620 Veterans Boulevard, Dublin, GA 31040
    County: Laurens
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Savannah
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Dublin, GA (#20140)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Change in Location
  • Financial Summary
  • Total assets: $113.5 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $98.3 mil
    Return on assets (ROA): 0.50% ($0.6 mil)
    Quarterly return on assets: -0.01% (-$0.0 mil)
    Return on Equity (ROE): 3.91% ($0.6 mil)
    Quarterly return on equity: -0.11% (-$0.0 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.50% ($567.3 mil)
    Quarterly Pretax return on assets: -0.01% (-$11.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $113,465Total assets
  • $5,271Cash and due from depository institutions
  • $3,528Interest-bearing balances
  • $24,741Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $77,740Net loans & leases
  • $1,167Loan loss allowance
  • $0Trading account assets
  • $2,419Bank premises and fixed assets
  • $2,053Other real estate owned
  • $0Goodwill and other intangibles
  • $113,465Life insurance assets
  • $1,241All other assets
  • $98,737Total liabilities and capital
  • $98,268Total liabilities
  • $87,222Total deposits
  • $98,268Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $469Subordinated debt
  • $14,728All other liabilities
  • $14,728Total equity capital
  • $14,728Total bank equity capital
  • $0Perpetual preferred stock
  • $55Common stock
  • $7,945Surplus
  • $6,728Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,171Income earned, not collected on loans
  • $0Earning assets
  • $704Long-term assets (5+ years)
  • $106,009Average Assets, year-to-date
  • $27,059Average Assets, quarterly
  • $118,515Volatile liabilities
  • $116,292Insider loans
  • $85,746FHLB advances
  • $115,958Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,174Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,003Restructured Loans and leases
  • $484Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,604Total interest income
  • $981Total interest expense
  • $4,623Net interest income
  • $1,055Provision for loan and lease losses
  • $624Total noninterest income
  • $0Fiduciary activities
  • $372Service charges on deposit accounts
  • $0Trading account gains & fees
  • $252Additional noninterest income
  • $3,601Total noninterest expense
  • $2,116Salaries and employee benefits
  • $306Premises and equipment expense
  • $1,179Additional noninterest expense
  • $591Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $591Income before extraordinary items
  • $0Extraordinary gains - net
  • $591Net income attributable to bank
  • $0Net charge-offs
  • $591Cash dividends
  • $892Sale, conversion, retirement of capital stock, net
  • $986Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.24%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.50%Pretax return on assets
  • 3.91%Return on equity (ROE)
  • -2.62%Retained earnings to average equity (YTD only)
  • 1.09%Net charge-offs to loans
  • 118.27%Credit loss provision to net charge-offs
  • 1.85%Efficiency ratio
  • 68,630Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 166.84%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 99.66%Noncurrent assets plus other real estate owned to assets
  • 2.84%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 79.11%Net loans and leases to core deposits
  • 81.74%Equity capital to assets
  • 12.98%Core capital (leverage) ratio
  • 12.22%Tier 1 risk-based capital ratio
  • 16.53%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $118,515Average earning assets
  • $15,100Average equity
  • $111,116Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013516Farmers State Bank1620 Veterans Boulevard, Dublin, GA 31040January 01, 1934Full Service Brick and Mortar
    1249320Dublin Branch1620 Veterans Blvd, Dublin, GA 31021October 29, 1984Full Service Brick and Mortar
    2249321Hillcrest Branch901 Hillcrest Parkway, Dublin, GA 31021May 13, 1998Full Service Brick and Mortar

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