Sunmark Community Bank in Hawkinsville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Sunmark Community Bank - Overview

  • General
  • FDIC Certificate #: 16825
    Status: Active
    Federal Reserve ID: 100236
    Bank Holding Company (Regulatory Top Holder): Sunmark Bancshares, Inc. (RSSDID: 1143566, Location: Hawkinsville, GA)
    Date Established: August 27, 1949
    WWW: http://www.sunmarkbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11665
    FDIC's unique #: 10928
    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: August 27, 1949
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Commerce And Lumpkin Streets, Hawkinsville, GA 31036
    County: Pulaski
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $200.4 mil
    Equity capital: $20.3 mil
    Deposits held in domestic offices: $170.6 mil
    Return on assets (ROA): 0.19% ($0.4 mil)
    Quarterly return on assets: 1.03% ($2.1 mil)
    Return on Equity (ROE): 1.87% ($0.4 mil)
    Quarterly return on equity: 10.05% ($2.0 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.19% ($380.8 mil)
    Quarterly Pretax return on assets: 1.03% ($2,064.3 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
  • 58Total employees (full-time equivalent)
  • $200,420Total assets
  • $35,254Cash and due from depository institutions
  • $29,383Interest-bearing balances
  • $18,583Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $129,022Net loans & leases
  • $2,550Loan loss allowance
  • $0Trading account assets
  • $2,782Bank premises and fixed assets
  • $7,616Other real estate owned
  • $0Goodwill and other intangibles
  • $200,420Life insurance assets
  • $6,163All other assets
  • $180,138Total liabilities and capital
  • $170,570Total liabilities
  • $126,398Total deposits
  • $170,570Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $2,568Subordinated debt
  • $20,282All other liabilities
  • $20,282Total equity capital
  • $20,282Total bank equity capital
  • $0Perpetual preferred stock
  • $180Common stock
  • $5,847Surplus
  • $14,255Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $272Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,998Income earned, not collected on loans
  • $0Earning assets
  • $974Long-term assets (5+ years)
  • $177,988Average Assets, year-to-date
  • $26,013Average Assets, quarterly
  • $195,450Volatile liabilities
  • $196,002Insider loans
  • $136,555FHLB advances
  • $198,109Loans and leases held for sale
  • $3,547Unused loan commitments
  • $2,567Tier 1 (core) risk-based capital
  • $20,107Tier 2 risk-based capital
  • $980Total risk weighted assets
  • $0Total unused commitments
  • $20,950Restructured Loans and leases
  • $2,755Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,050Total interest income
  • $1,583Total interest expense
  • $7,467Net interest income
  • $1,490Provision for loan and lease losses
  • $1,090Total noninterest income
  • $0Fiduciary activities
  • $876Service charges on deposit accounts
  • $0Trading account gains & fees
  • $214Additional noninterest income
  • $6,704Total noninterest expense
  • $3,765Salaries and employee benefits
  • $601Premises and equipment expense
  • $2,338Additional noninterest expense
  • $363Pre-tax net operating income
  • $10Securities gains (losses)
  • $0Applicable income taxes
  • $373Income before extraordinary items
  • $0Extraordinary gains - net
  • $373Net income attributable to bank
  • $0Net charge-offs
  • $373Cash dividends
  • $1,613Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.87%Noninterest expense to earning assets
  • 0.19%Net operating income to assets
  • 0.19%Return on assets (ROA)
  • 0.19%Pretax return on assets
  • 1.87%Return on equity (ROE)
  • 1.87%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 92.37%Credit loss provision to net charge-offs
  • 1.15%Efficiency ratio
  • 78,345Assets per employee
  • 3.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 85.06%Noncurrent assets plus other real estate owned to assets
  • 5.30%Noncurrent loans to loans
  • 2.28%Net loans and leases to deposits
  • 75.64%Net loans and leases to core deposits
  • 77.20%Equity capital to assets
  • 10.12%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 14.72%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $195,450Average earning assets
  • $19,961Average equity
  • $173,128Average loans

List of branches

  • 4 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010928Sunmark Community BankCommerce And Lumpkin Streets, Hawkinsville, GA 31036August 27, 1949Full Service Brick and Mortar
    2238886Houston Lake Road Branch250 South Houston Lake Road, Warner Robins, GA 31088March 10, 1997Full Service Brick and Mortar
    3362318Highway 96 Branch749 Highway 96, Bonaire, GA 31005October 30, 2001Full Service Brick and Mortar
    4362871Fort Valley Branch205 South Camellia Boulevard, Fort Valley, GA 31030November 13, 2001Full Service Brick and Mortar

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