Farmers State Bank in Lumpkin, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Farmers State Bank in Lumpkin, Georgia (GA)
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Farmers State Bank routing number info

Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 5691
    Status: Active
    Federal Reserve ID: 776734
    Date Established: December 01, 1911
    WWW: http://www.fsbg.net
    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 #: 3875
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 302 Broad Street, Lumpkin, GA 31815
    County: Stewart
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $48.8 mil
    Equity capital: $3.1 mil
    Deposits held in domestic offices: $45.3 mil
    Return on assets (ROA): -0.57% (-$0.3 mil)
    Quarterly return on assets: -0.66% (-$0.3 mil)
    Return on Equity (ROE): -9.06% (-$0.3 mil)
    Quarterly return on equity: -10.18% (-$0.3 mil)
    Net income: -$0.3 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.88% (-$429.8 mil)
    Quarterly Pretax return on assets: -0.77% (-$376.1 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
  • 24Total employees (full-time equivalent)
  • $48,844Total assets
  • $3,121Cash and due from depository institutions
  • $0Interest-bearing balances
  • $16,396Securities
  • $2,495Federal funds sold & reverse repurchase agreements
  • $22,897Net loans & leases
  • $568Loan loss allowance
  • $0Trading account assets
  • $911Bank premises and fixed assets
  • $1,481Other real estate owned
  • $0Goodwill and other intangibles
  • $48,844Life insurance assets
  • $1,543All other assets
  • $45,751Total liabilities and capital
  • $45,342Total liabilities
  • $36,756Total deposits
  • $45,342Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $409Subordinated debt
  • $3,093All other liabilities
  • $3,093Total equity capital
  • $3,093Total bank equity capital
  • $0Perpetual preferred stock
  • $213Common stock
  • $3,787Surplus
  • $-907Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,873Income earned, not collected on loans
  • $0Earning assets
  • $371Long-term assets (5+ years)
  • $41,788Average Assets, year-to-date
  • $20,495Average Assets, quarterly
  • $48,918Volatile liabilities
  • $47,924Insider loans
  • $29,779FHLB advances
  • $47,427Loans and leases held for sale
  • $100Unused loan commitments
  • $100Tier 1 (core) risk-based capital
  • $3,204Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,738Restructured Loans and leases
  • $154Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,150Total interest income
  • $527Total interest expense
  • $1,623Net interest income
  • $360Provision for loan and lease losses
  • $330Total noninterest income
  • $0Fiduciary activities
  • $300Service charges on deposit accounts
  • $0Trading account gains & fees
  • $30Additional noninterest income
  • $2,109Total noninterest expense
  • $1,089Salaries and employee benefits
  • $351Premises and equipment expense
  • $669Additional noninterest expense
  • -$516Pre-tax net operating income
  • $86Securities gains (losses)
  • -$151Applicable income taxes
  • -$279Income before extraordinary items
  • $0Extraordinary gains - net
  • -$279Net income attributable to bank
  • $0Net charge-offs
  • -$279Cash dividends
  • $528Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 4.96%Noninterest expense to earning assets
  • -0.68%Net operating income to assets
  • -0.57%Return on assets (ROA)
  • -0.88%Pretax return on assets
  • -9.06%Return on equity (ROE)
  • -9.06%Retained earnings to average equity (YTD only)
  • 2.05%Net charge-offs to loans
  • 68.18%Credit loss provision to net charge-offs
  • -0.30%Efficiency ratio
  • 107,988Assets per employee
  • 2.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.42%Loss allowance to noncurrent loans
  • 30.33%Noncurrent assets plus other real estate owned to assets
  • 6.87%Noncurrent loans to loans
  • 7.98%Net loans and leases to deposits
  • 50.50%Net loans and leases to core deposits
  • 52.97%Equity capital to assets
  • 6.33%Core capital (leverage) ratio
  • 6.76%Tier 1 risk-based capital ratio
  • 10.76%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $48,918Average earning assets
  • $3,079Average equity
  • $42,507Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    03875Farmers State Bank302 Broad Street, Lumpkin, GA 31815December 01, 1911Full Service Brick and Mortar
    23877Richland Branch272 Broad Street, Richland, GA 31825October 15, 1927Full Service Brick and Mortar
    3208022Georgetown Branch78 Main Street, Georgetown, GA 39854November 23, 1998Full Service Brick and Mortar

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