Bank of Thomas County in Thomasville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 08, 2006

Bank of Thomas County in Thomasville, Georgia (GA)
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Bank of Thomas County - Overview

General
FDIC Certificate #: 11293
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Ameris Bank (#20504)
Federal Reserve ID: 527730
Date Established: November 20, 1911
WWW: http://www.amerisbank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 12294
FDIC's unique #: 7207
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 08, 2006
Last Structure Change Process Date: January 11, 2007
Last Data Update: January 11, 2007
Data Source Date: April 05, 2012
Location
Address: 2484 East Pinetree Boulevard, Thomasville, GA 31799
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
Financial Summary
Total assets: $46.3 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, 2005)

Dollar figures in thousands
16Total employees (full-time equivalent)
$47,197Total assets
$2,307Cash and due from depository institutions
$236Interest-bearing balances
$9,987Securities
$1,960Federal funds sold & reverse repurchase agreements
$30,956Net loans & leases
$717Loan loss allowance
$0Trading account assets
$1,034Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$953All other assets
$47,197Total liabilities and capital
$42,265Total liabilities
$38,264Total deposits
$30,938Interest-bearing deposits
$38,264Deposits held in domestic offices
0.00%% insured (estimated)
$741Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,100Other borrowed funds
$0Subordinated debt
$160All other liabilities
$4,932Total equity capital
$4,932Total bank equity capital
$4,932Perpetual preferred stock
$0Common stock
$100Surplus
$3,970Undivided profits
Memoranda
$862Noncurrent loans and leases
$6,256Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$376Earning assets
$0Long-term assets (5+ years)
$339Average Assets, year-to-date
$43,139Average Assets, quarterly
$9,541Volatile liabilities
$43,515Insider loans
$47,243FHLB advances
$13,478Loans and leases held for sale
$1,397Unused loan commitments
$3,100Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,256Total unused commitments
$0Restructured Loans and leases
$425Derivatives

Income and Expense (December 31, 2005)

Dollar figures in thousands
$2,718Total interest income
$847Total interest expense
$1,871Net interest income
-$249Provision for loan and lease losses
$383Total noninterest income
$0Fiduciary activities
$343Service charges on deposit accounts
$0Trading account gains & fees
$40Additional noninterest income
$1,548Total noninterest expense
$766Salaries and employee benefits
$146Premises and equipment expense
$636Additional noninterest expense
$955Pre-tax net operating income
$0Securities gains (losses)
$295Applicable income taxes
$660Income before extraordinary items
$0Extraordinary gains - net
$660Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$70Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2005)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.76%Yield on earning assets
2.11%Cost of funding earning assets
4.65%Net interest margin
0.95%Noninterest income to earning assets
3.85%Noninterest expense to earning assets
1.52%Net operating income to assets
1.52%Return on assets (ROA)
2.19%Pretax return on assets
14.30%Return on equity (ROE)
14.30%Retained earnings to average equity (YTD only)
-0.23%Net charge-offs to loans
355.71%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,678Assets per employee
2.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.26%Loss allowance to noncurrent loans
190.69%Noncurrent assets plus other real estate owned to assets
0.80%Noncurrent loans to loans
1.19%Net loans and leases to deposits
80.90%Net loans and leases to core deposits
121.27%Equity capital to assets
10.45%Core capital (leverage) ratio
11.02%Tier 1 risk-based capital ratio
14.98%Total risk-based capital ratio
Memoranda
$16Average assets
$43,515Average earning assets
$4,617Average equity
$40,223Average loans

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