Talbot State Bank in Woodland, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Talbot State Bank - Overview

  • General
  • FDIC Certificate #: 178
    Status: Active
    Federal Reserve ID: 577230
    Bank Holding Company (Regulatory Top Holder): Tsb Bancorp, Inc. (RSSDID: 1249020, Location: Fayetteville, GA)
    Date Established: November 25, 1907
    WWW: http://www.talbotstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9191
    FDIC's unique #: 141
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 12, 2009
    Last Structure Change Process Date: Febuary 14, 2011
    Last Data Update: Febuary 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: Highway 36 East, Woodland, GA 31836
    County: Talbot
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $71.3 mil
    Equity capital: $5.8 mil
    Deposits held in domestic offices: $65.4 mil
    Return on assets (ROA): -0.24% (-$0.2 mil)
    Quarterly return on assets: -0.07% (-$0.0 mil)
    Return on Equity (ROE): -3.29% (-$0.2 mil)
    Quarterly return on equity: -0.82% (-$0.0 mil)
    Net income: -$0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.24% (-$171.1 mil)
    Quarterly Pretax return on assets: -0.07% (-$49.9 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
  • 18Total employees (full-time equivalent)
  • $71,306Total assets
  • $1,389Cash and due from depository institutions
  • $10Interest-bearing balances
  • $16,391Securities
  • $696Federal funds sold & reverse repurchase agreements
  • $49,089Net loans & leases
  • $575Loan loss allowance
  • $0Trading account assets
  • $920Bank premises and fixed assets
  • $1,454Other real estate owned
  • $0Goodwill and other intangibles
  • $71,306Life insurance assets
  • $1,367All other assets
  • $65,529Total liabilities and capital
  • $65,444Total liabilities
  • $63,666Total deposits
  • $65,444Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $85Subordinated debt
  • $5,777All other liabilities
  • $5,777Total equity capital
  • $5,777Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $2,500Surplus
  • $-1,723Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,365Income earned, not collected on loans
  • $0Earning assets
  • $774Long-term assets (5+ years)
  • $66,186Average Assets, year-to-date
  • $59,427Average Assets, quarterly
  • $71,545Volatile liabilities
  • $71,272Insider loans
  • $36,270FHLB advances
  • $71,546Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,730Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $123Restructured Loans and leases
  • $394Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,827Total interest income
  • $2,219Total interest expense
  • $2,608Net interest income
  • $268Provision for loan and lease losses
  • -$66Total noninterest income
  • $0Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$129Additional noninterest income
  • $2,602Total noninterest expense
  • $1,181Salaries and employee benefits
  • $214Premises and equipment expense
  • $1,207Additional noninterest expense
  • -$328Pre-tax net operating income
  • $153Securities gains (losses)
  • $0Applicable income taxes
  • -$175Income before extraordinary items
  • $0Extraordinary gains - net
  • -$175Net income attributable to bank
  • $0Net charge-offs
  • -$175Cash dividends
  • $268Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.29%Yield on earning assets
  • 3.35%Cost of funding earning assets
  • 3.94%Net interest margin
  • -0.10%Noninterest income to earning assets
  • 3.93%Noninterest expense to earning assets
  • -0.46%Net operating income to assets
  • -0.24%Return on assets (ROA)
  • -0.24%Pretax return on assets
  • -3.29%Return on equity (ROE)
  • -3.29%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • -0.22%Efficiency ratio
  • 102,360Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 17.09%Noncurrent assets plus other real estate owned to assets
  • 6.76%Noncurrent loans to loans
  • 6.78%Net loans and leases to deposits
  • 75.01%Net loans and leases to core deposits
  • 145.66%Equity capital to assets
  • 8.10%Core capital (leverage) ratio
  • 8.01%Tier 1 risk-based capital ratio
  • 15.80%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $71,545Average earning assets
  • $5,323Average equity
  • $66,243Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0141Talbot State BankHighway 36 East, Woodland, GA 31836November 25, 1907Full Service Brick and Mortar
    6516680Fayetteville Branch710 North Glynn Street, Fayetteville, GA 30214October 12, 2009Full Service Brick and Mortar

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