Talbot State Bank in Woodland, Georgia (GA)



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Talbot State Bank routing number info

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Talbot State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)18
Total assets$71,306
Cash and due from depository institutions$1,389
Interest-bearing balances$10
Securities$16,391
Federal funds sold & reverse repurchase agreements$696
Net loans & leases$49,089
Loan loss allowance $575
Trading account assets$0
Bank premises and fixed assets$920
Other real estate owned$1,454
Goodwill and other intangibles$0
All other assets$1,367
Life insurance assets$71,306
Total liabilities and capital$65,529
Total liabilities$65,444
Total deposits$63,666
Interest-bearing deposits$65,444
Deposits held in domestic offices$76
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $85
All other liabilities $5,777
Total equity capital$5,777
Total bank equity capital$5,777
Perpetual preferred stock$0
Common stock$5,000
Surplus$2,500
Undivided profits $-1,723
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,365
Earning assets $0
Long-term assets (5+ years) $774
Average Assets, year-to-date $66,186
Average Assets, quarterly $59,427
Volatile liabilities $71,545
Insider loans $71,272
FHLB advances $36,270
Loans and leases held for sale $71,546
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,730
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $123
Derivatives$394
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,827
Total interest expense $2,219
Net interest income $2,608
Provision for loan and lease losses $268
Total noninterest income -$66
Fiduciary activities $0
Service charges on deposit accounts $63
Trading account gains & fees $0
Additional noninterest income -$129
Total noninterest expense $2,602
Salaries and employee benefits $1,181
Premises and equipment expense $214
Additional noninterest expense $1,207
Pre-tax net operating income -$328
Securities gains (losses) $153
Applicable income taxes $0
Income before extraordinary items -$175
Extraordinary gains - net $0
Net income attributable to bank -$175
Net charge-offs $0
Cash dividends -$175
Sale, conversion, retirement of capital stock, net $268
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.29%
Cost of funding earning assets 3.35%
Net interest margin 3.94%
Noninterest income to earning assets -0.10%
Noninterest expense to earning assets 3.93%
Net operating income to assets -0.46%
Return on assets (ROA) -0.24%
Pretax return on assets -0.24%
Return on equity (ROE) -3.29%
Retained earnings to average equity (YTD only) -3.29%
Net charge-offs to loans 0.52%
Credit loss provision to net charge-offs 100.00%
Efficiency ratio-0.22%
Assets per employee$102,360
Cash dividends to net income (YTD only)3.96%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.16%
Noncurrent assets plus other real estate owned to assets 17.09%
Noncurrent loans to loans 6.76%
Net loans and leases to deposits6.78%
Net loans and leases to core deposits 75.01%
Equity capital to assets 145.66%
Core capital (leverage) ratio 8.10%
Tier 1 risk-based capital ratio 8.01%
Total risk-based capital ratio 15.80%
Memoranda
Average assets$17
Average earning assets$71,545
Average equity $5,323
Average loans $66,243
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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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