The Farmers Bank in Greensboro, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Farmers Bank in Greensboro, Georgia (GA)
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The Farmers Bank - Overview

  • General
  • FDIC Certificate #: 5709
    Status: Active
    Federal Reserve ID: 11837
    Bank Holding Company (Regulatory Top Holder): Putnam-Greene Financial Corporation (RSSDID: 1246252, Location: Eatonton, GA)
    Date Established: September 06, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3891
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 14, 2007
    Last Structure Change Process Date: March 23, 2007
    Last Data Update: March 23, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 202-A South Main Street, Greensboro, GA 30642
    County: Greene
    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 Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Withdraws from FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $104.1 mil
    Equity capital: $11.7 mil
    Deposits held in domestic offices: $85.0 mil
    Return on assets (ROA): 0.27% ($0.3 mil)
    Quarterly return on assets: 0.03% ($0.0 mil)
    Return on Equity (ROE): 2.60% ($0.3 mil)
    Quarterly return on equity: 0.24% ($0.0 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.15% ($156.1 mil)
    Quarterly Pretax return on assets: -0.34% (-$353.9 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
  • 17Total employees (full-time equivalent)
  • $104,092Total assets
  • $10,035Cash and due from depository institutions
  • $8,643Interest-bearing balances
  • $58,731Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $28,996Net loans & leases
  • $1,076Loan loss allowance
  • $0Trading account assets
  • $730Bank premises and fixed assets
  • $3,615Other real estate owned
  • $0Goodwill and other intangibles
  • $104,092Life insurance assets
  • $1,985All other assets
  • $92,409Total liabilities and capital
  • $85,008Total liabilities
  • $79,554Total deposits
  • $85,008Interest-bearing deposits
  • $67Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $401Subordinated debt
  • $11,683All other liabilities
  • $11,683Total equity capital
  • $11,683Total bank equity capital
  • $0Perpetual preferred stock
  • $314Common stock
  • $10,686Surplus
  • $683Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,772Income earned, not collected on loans
  • $0Earning assets
  • $638Long-term assets (5+ years)
  • $96,370Average Assets, year-to-date
  • $59,394Average Assets, quarterly
  • $106,088Volatile liabilities
  • $99,527Insider loans
  • $46,780FHLB advances
  • $97,459Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,896Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,564Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,946Total interest income
  • $1,198Total interest expense
  • $2,748Net interest income
  • $725Provision for loan and lease losses
  • $120Total noninterest income
  • $0Fiduciary activities
  • $175Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$55Additional noninterest income
  • $2,484Total noninterest expense
  • $1,205Salaries and employee benefits
  • $175Premises and equipment expense
  • $1,104Additional noninterest expense
  • -$341Pre-tax net operating income
  • $505Securities gains (losses)
  • -$124Applicable income taxes
  • $288Income before extraordinary items
  • $0Extraordinary gains - net
  • $288Net income attributable to bank
  • $0Net charge-offs
  • $288Cash dividends
  • $685Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.98%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 2.77%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • -0.20%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.15%Pretax return on assets
  • 2.60%Return on equity (ROE)
  • 2.60%Retained earnings to average equity (YTD only)
  • 2.04%Net charge-offs to loans
  • 105.84%Credit loss provision to net charge-offs
  • 0.56%Efficiency ratio
  • 86,611Assets per employee
  • 6.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.58%Loss allowance to noncurrent loans
  • 38.82%Noncurrent assets plus other real estate owned to assets
  • 6.14%Noncurrent loans to loans
  • 9.22%Net loans and leases to deposits
  • 34.11%Net loans and leases to core deposits
  • 35.20%Equity capital to assets
  • 11.22%Core capital (leverage) ratio
  • 11.18%Tier 1 risk-based capital ratio
  • 23.29%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $106,088Average earning assets
  • $11,076Average equity
  • $99,099Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03891The Farmers Bank202-A South Main Street, Greensboro, GA 30642September 06, 1911Full Service Brick and Mortar
    1208052Sibley Avenue Branch710 Sibley Avenue, Union Point, GA 30669March 08, 1979Full Service Brick and Mortar

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