The Trust Bank in Lenox, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Trust Bank - Overview

  • General
  • FDIC Certificate #: 13832
    Status: Active
    Federal Reserve ID: 894834
    Bank Holding Company (Regulatory Top Holder): Trust Holding Company, Inc. (RSSDID: 2730495, Location: Lenox, GA)
    Date Established: June 25, 1907
    WWW: http://www.bankoflenox.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 8646
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 21, 2009
    Last Structure Change Process Date: January 05, 2010
    Last Data Update: January 05, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 50 West Central Ave, Lenox, GA 31637
    County: Cook
    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
  • Name Change
  • Financial Summary
  • Total assets: $30.0 mil
    Equity capital: $2.5 mil
    Deposits held in domestic offices: $26.9 mil
    Return on assets (ROA): 0.89% ($0.3 mil)
    Quarterly return on assets: 0.64% ($0.2 mil)
    Return on Equity (ROE): 10.54% ($0.3 mil)
    Quarterly return on equity: 7.26% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.89% ($267.1 mil)
    Quarterly Pretax return on assets: 0.64% ($192.1 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
  • 14Total employees (full-time equivalent)
  • $30,013Total assets
  • $6,216Cash and due from depository institutions
  • $5,788Interest-bearing balances
  • $4,755Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $14,423Net loans & leases
  • $364Loan loss allowance
  • $0Trading account assets
  • $942Bank premises and fixed assets
  • $2,247Other real estate owned
  • $0Goodwill and other intangibles
  • $30,013Life insurance assets
  • $1,430All other assets
  • $27,475Total liabilities and capital
  • $26,941Total liabilities
  • $18,253Total deposits
  • $26,941Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $534Subordinated debt
  • $2,538All other liabilities
  • $2,538Total equity capital
  • $2,538Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $4,639Surplus
  • $-2,401Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $265Income earned, not collected on loans
  • $0Earning assets
  • $147Long-term assets (5+ years)
  • $24,966Average Assets, year-to-date
  • $9,343Average Assets, quarterly
  • $28,797Volatile liabilities
  • $29,152Insider loans
  • $18,680FHLB advances
  • $28,977Loans and leases held for sale
  • $870Unused loan commitments
  • $870Tier 1 (core) risk-based capital
  • $2,538Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $725Restructured Loans and leases
  • $151Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,563Total interest income
  • $220Total interest expense
  • $1,343Net interest income
  • $57Provision for loan and lease losses
  • $210Total noninterest income
  • $0Fiduciary activities
  • $163Service charges on deposit accounts
  • $0Trading account gains & fees
  • $47Additional noninterest income
  • $1,378Total noninterest expense
  • $660Salaries and employee benefits
  • $150Premises and equipment expense
  • $568Additional noninterest expense
  • $118Pre-tax net operating income
  • $138Securities gains (losses)
  • $0Applicable income taxes
  • $256Income before extraordinary items
  • $0Extraordinary gains - net
  • $256Net income attributable to bank
  • $0Net charge-offs
  • $256Cash dividends
  • -$14Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.54%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 5.62%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 5.76%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 10.54%Return on equity (ROE)
  • 10.54%Retained earnings to average equity (YTD only)
  • -0.09%Net charge-offs to loans
  • -407.14%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 88,731Assets per employee
  • 2.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.46%Loss allowance to noncurrent loans
  • 137.36%Noncurrent assets plus other real estate owned to assets
  • 8.37%Noncurrent loans to loans
  • 1.79%Net loans and leases to deposits
  • 53.54%Net loans and leases to core deposits
  • 54.04%Equity capital to assets
  • 8.46%Core capital (leverage) ratio
  • 8.76%Tier 1 risk-based capital ratio
  • 13.59%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $28,797Average earning assets
  • $2,429Average equity
  • $23,906Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08646The Trust Bank50 West Central Ave, Lenox, GA 31637June 25, 1907Full Service Brick and Mortar
    1230310Adel Branch607 West Fourth Street, Adel, GA 31620November 13, 1985Full Service Brick and Mortar
    2361239Moultrie Branch2424 Tallokas Drive, Moultrie, GA 31768November 06, 2000Full Service Brick and Mortar

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