Thomas County Federal Savings and Loan Association in Thomasville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Thomas County Federal Savings and Loan Association in Thomasville, Georgia (GA)
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Thomas County Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29331
    Status: Active
    Federal Reserve ID: 67870
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 3293
    FDIC's unique #: 42165
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 28, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 131 South Dawson Street, Thomasville, GA 31792
    County: Thomas
    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
    Core Based Statistical Area (CBSA): Thomasville, GA (#45620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $282.3 mil
    Equity capital: $46.4 mil
    Deposits held in domestic offices: $225.1 mil
    Return on assets (ROA): -0.88% (-$2.5 mil)
    Quarterly return on assets: 0.37% ($1.0 mil)
    Return on Equity (ROE): -5.37% (-$2.5 mil)
    Quarterly return on equity: 2.25% ($1.0 mil)
    Net income: -$2.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: -1.72% (-$4,856.4 mil)
    Quarterly Pretax return on assets: -1.01% (-$2,851.7 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
  • 38Total employees (full-time equivalent)
  • $282,348Total assets
  • $26,963Cash and due from depository institutions
  • $21,485Interest-bearing balances
  • $15,399Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $226,281Net loans & leases
  • $3,606Loan loss allowance
  • $0Trading account assets
  • $1,434Bank premises and fixed assets
  • $2,948Other real estate owned
  • $0Goodwill and other intangibles
  • $282,348Life insurance assets
  • $9,323All other assets
  • $235,932Total liabilities and capital
  • $225,056Total liabilities
  • $222,051Total deposits
  • $225,056Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,129Trading liabilities
  • $0Other borrowed funds
  • $747Subordinated debt
  • $46,416All other liabilities
  • $46,416Total equity capital
  • $46,416Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $46,416Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,123Income earned, not collected on loans
  • $0Earning assets
  • $1,085Long-term assets (5+ years)
  • $263,165Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $288,988Volatile liabilities
  • $283,022Insider loans
  • $213,618FHLB advances
  • $282,258Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $46,326Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,501Restructured Loans and leases
  • $1,666Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,203Total interest income
  • $3,381Total interest expense
  • $9,822Net interest income
  • $7,998Provision for loan and lease losses
  • -$1,316Total noninterest income
  • $0Fiduciary activities
  • $333Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,649Additional noninterest income
  • $5,692Total noninterest expense
  • $3,473Salaries and employee benefits
  • $654Premises and equipment expense
  • $1,565Additional noninterest expense
  • -$5,184Pre-tax net operating income
  • $201Securities gains (losses)
  • -$2,427Applicable income taxes
  • -$2,556Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,556Net income attributable to bank
  • $0Net charge-offs
  • -$2,556Cash dividends
  • $9,020Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 3.67%Net interest margin
  • -0.49%Noninterest income to earning assets
  • 2.13%Noninterest expense to earning assets
  • -0.93%Net operating income to assets
  • -0.88%Return on assets (ROA)
  • -1.72%Pretax return on assets
  • -5.37%Return on equity (ROE)
  • -5.37%Retained earnings to average equity (YTD only)
  • 3.95%Net charge-offs to loans
  • 88.67%Credit loss provision to net charge-offs
  • 0.31%Efficiency ratio
  • 66,917Assets per employee
  • 7.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 32.42%Noncurrent assets plus other real estate owned to assets
  • 4.98%Noncurrent loans to loans
  • 4.84%Net loans and leases to deposits
  • 100.54%Net loans and leases to core deposits
  • 102.62%Equity capital to assets
  • 16.44%Core capital (leverage) ratio
  • 16.41%Tier 1 risk-based capital ratio
  • 21.69%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $288,988Average earning assets
  • $47,620Average equity
  • $267,702Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042165Thomas County Federal Savings And Lo131 South Dawson Street, Thomasville, GA 31792January 01, 1934Full Service Brick and Mortar

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