Thomasville National Bank in Thomasville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Thomasville National Bank in Thomasville, Georgia (GA)
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Thomasville National Bank - Overview

  • General
  • FDIC Certificate #: 34068
    Status: Active
    Federal Reserve ID: 2344753
    Bank Holding Company (Regulatory Top Holder): Thomasville Bancshares, Inc (RSSDID: 2346010, Location: Thomasville, GA)
    Date Established: October 02, 1995
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15493
    FDIC's unique #: 56205
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 02, 1995
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 North Broad 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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $460.4 mil
    Equity capital: $43.9 mil
    Deposits held in domestic offices: $405.1 mil
    Return on assets (ROA): 1.10% ($5.1 mil)
    Quarterly return on assets: 0.87% ($4.0 mil)
    Return on Equity (ROE): 12.07% ($5.3 mil)
    Quarterly return on equity: 9.33% ($4.1 mil)
    Net income: $5.1 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.71% ($7,872.1 mil)
    Quarterly Pretax return on assets: 1.28% ($5,892.5 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
  • 69Total employees (full-time equivalent)
  • $460,354Total assets
  • $22,312Cash and due from depository institutions
  • $17,122Interest-bearing balances
  • $23,133Securities
  • $446Federal funds sold & reverse repurchase agreements
  • $393,632Net loans & leases
  • $7,180Loan loss allowance
  • $5,210Trading account assets
  • $5,148Bank premises and fixed assets
  • $302Other real estate owned
  • $3,372Goodwill and other intangibles
  • $460,354Life insurance assets
  • $6,799All other assets
  • $416,429Total liabilities and capital
  • $405,129Total liabilities
  • $357,543Total deposits
  • $405,129Interest-bearing deposits
  • $54Deposits held in domestic offices
  • 1809.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,225Trading liabilities
  • $0Other borrowed funds
  • $1,266Subordinated debt
  • $43,925All other liabilities
  • $43,925Total equity capital
  • $43,925Total bank equity capital
  • $0Perpetual preferred stock
  • $4,000Common stock
  • $9,885Surplus
  • $30,040Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,236Income earned, not collected on loans
  • $0Earning assets
  • $1,951Long-term assets (5+ years)
  • $439,543Average Assets, year-to-date
  • $27,100Average Assets, quarterly
  • $460,978Volatile liabilities
  • $467,720Insider loans
  • $354,813FHLB advances
  • $448,720Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $40,455Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $49,452Restructured Loans and leases
  • $22,503Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,529Total interest income
  • $4,153Total interest expense
  • $15,376Net interest income
  • $2,500Provision for loan and lease losses
  • $5,557Total noninterest income
  • $3,518Fiduciary activities
  • $602Service charges on deposit accounts
  • $209Trading account gains & fees
  • $1,228Additional noninterest income
  • $10,528Total noninterest expense
  • $5,777Salaries and employee benefits
  • $988Premises and equipment expense
  • $3,763Additional noninterest expense
  • $7,905Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,821Applicable income taxes
  • $5,084Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,084Net income attributable to bank
  • $0Net charge-offs
  • $5,084Cash dividends
  • $1,383Sale, conversion, retirement of capital stock, net
  • $1,953Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.48%Net interest margin
  • 1.26%Noninterest income to earning assets
  • 2.38%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 12.07%Return on equity (ROE)
  • 7.43%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 180.77%Credit loss provision to net charge-offs
  • 7.52%Efficiency ratio
  • 50,294Assets per employee
  • 6.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.41%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 321.11%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 97.16%Net loans and leases to core deposits
  • 108.39%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 11.40%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $460,978Average earning assets
  • $42,124Average equity
  • $441,836Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $418,766Managed Assets
  • 1Number of Accounts
  • $273,559Personal trust and agency accounts
  • $48,424Employee benefit-defined contribution accounts
  • $32,782Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $51,448Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $140,905Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 519Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $145,207Other retirement accounts
  • $3,127Corporate trust and agency accounts
  • $28,510Other fiduciary accounts
  • $6,373Fiduciary accounts held in foreign offices

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056205Thomasville National Bank301 North Broad Street, Thomasville, GA 31792October 02, 1995Full Service Brick and Mortar
    1290356Remington Avenue Office1320 Remington Avenue, Thomasville, GA 31792October 05, 1998Full Service Brick and Mortar
    2513407Seaside Bank & Trust Branch100 Island Professional Park, Saint Simons Island, GA 31522September 27, 2010Full Service Brick and Mortar

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