Queensborough National Bank & Trust Company in Louisville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Queensborough National Bank & Trust Company in Louisville, Georgia (GA)
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Queensborough National Bank & Trust Company routing number info

Queensborough National Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 2138
    Status: Active
    Federal Reserve ID: 960935
    Bank Holding Company (Regulatory Top Holder): Queensborough Company, The (RSSDID: 1130904, Location: Louisville, GA)
    Date Established: January 01, 1902
    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: 22 (Domestic: 22, Interstate: No)
    OTS Docket #: 12255
    FDIC's unique #: 1410
    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: 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: 113 East Broad Street, Louisville, GA 30434
    County: Jefferson
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Savannah
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $875.3 mil
    Equity capital: $79.6 mil
    Deposits held in domestic offices: $744.4 mil
    Return on assets (ROA): 0.31% ($2.7 mil)
    Quarterly return on assets: 0.30% ($2.6 mil)
    Return on Equity (ROE): 3.59% ($2.9 mil)
    Quarterly return on equity: 3.23% ($2.6 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.45% ($3,938.8 mil)
    Quarterly Pretax return on assets: 0.39% ($3,413.6 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
  • 258Total employees (full-time equivalent)
  • $875,283Total assets
  • $93,943Cash and due from depository institutions
  • $53,700Interest-bearing balances
  • $174,648Securities
  • $655Federal funds sold & reverse repurchase agreements
  • $542,363Net loans & leases
  • $17,049Loan loss allowance
  • $0Trading account assets
  • $23,422Bank premises and fixed assets
  • $15,582Other real estate owned
  • $2,107Goodwill and other intangibles
  • $875,283Life insurance assets
  • $22,563All other assets
  • $795,679Total liabilities and capital
  • $744,438Total liabilities
  • $607,386Total deposits
  • $744,438Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 5000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $42,000Trading liabilities
  • $0Other borrowed funds
  • $4,241Subordinated debt
  • $79,604All other liabilities
  • $79,604Total equity capital
  • $79,604Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $35,550Surplus
  • $42,554Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,522Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45,588Income earned, not collected on loans
  • $2,982Earning assets
  • $6,241Long-term assets (5+ years)
  • $771,366Average Assets, year-to-date
  • $177,790Average Assets, quarterly
  • $892,244Volatile liabilities
  • $868,748Insider loans
  • $563,274FHLB advances
  • $850,051Loans and leases held for sale
  • $272Unused loan commitments
  • $272Tier 1 (core) risk-based capital
  • $75,161Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $66,759Restructured Loans and leases
  • $5,130Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $42,205Total interest income
  • $11,832Total interest expense
  • $30,373Net interest income
  • $7,483Provision for loan and lease losses
  • $7,206Total noninterest income
  • $67Fiduciary activities
  • $5,793Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,346Additional noninterest income
  • $27,248Total noninterest expense
  • $13,898Salaries and employee benefits
  • $2,848Premises and equipment expense
  • $10,502Additional noninterest expense
  • $2,848Pre-tax net operating income
  • $1,131Securities gains (losses)
  • $1,219Applicable income taxes
  • $2,760Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,760Net income attributable to bank
  • $0Net charge-offs
  • $2,760Cash dividends
  • $9,750Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 0.22%Net operating income to assets
  • 0.31%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 3.59%Return on equity (ROE)
  • 3.59%Retained earnings to average equity (YTD only)
  • 1.66%Net charge-offs to loans
  • 76.75%Credit loss provision to net charge-offs
  • 1.06%Efficiency ratio
  • 72,509Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.05%Loss allowance to noncurrent loans
  • 37.40%Noncurrent assets plus other real estate owned to assets
  • 6.99%Noncurrent loans to loans
  • 8.15%Net loans and leases to deposits
  • 72.86%Net loans and leases to core deposits
  • 83.66%Equity capital to assets
  • 9.09%Core capital (leverage) ratio
  • 8.84%Tier 1 risk-based capital ratio
  • 13.34%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $892,244Average earning assets
  • $76,969Average equity
  • $798,783Average 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
  • $9,567Managed Assets
  • 1Number of Accounts
  • $9,567Personal trust and agency accounts
  • $8,048Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $932Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $587Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 23Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 22 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    01410Queensborough National Bank & Trust113 East Broad Street, Louisville, GA 30434January 01, 1902Full Service Brick and Mortar
    210455Jones BranchJones And North Railroad Streets, Midville, GA 30441May 21, 1945Full Service Brick and Mortar
    3191682U.S. 1 By-Pass Branch107 U.S. 1 By-Pass North, Louisville, GA 30434May 06, 1988Limited Service Facility
    4191683Waynesboro Branch721 Liberty Street, Waynesboro, GA 30830November 01, 1989Full Service Brick and Mortar
    5191684Main Street Branch711 North Main Street, Wrens, GA 30833September 15, 1990Full Service Brick and Mortar
    8191687Sandersville Branch202 N. Harris Street, Sandersville, GA 31082January 05, 1996Full Service Brick and Mortar
    9191688Tennille Branch206 North Main Street, Tennille, GA 31089January 05, 1996Full Service Brick and Mortar
    10191689Sylvania Branch301 Mims Road, Sylvania, GA 30467September 26, 1996Full Service Brick and Mortar
    11191690Statesboro Branch120a South Zetterower Avenue, Statesboro, GA 30458October 01, 1996Full Service Brick and Mortar
    13191692Swainsboro Division Branch692 South Main Street, Swainsboro, GA 30401January 04, 1999Full Service Brick and Mortar
    1414797Millen/Winthrope Branch311 East Winthrope Avenue, Millen, GA 30442January 07, 1974Full Service Brick and Mortar
    16156Wadley Branch116 North Main Street, Wadley, GA 30477January 01, 1902Full Service Brick and Mortar
    18357880Augusta Branch4226 Columbia Road, Martinez, GA 30907June 05, 2000Full Service Brick and Mortar
    19359978Thomson/West Hill Branch549 West Hill Street, Thomson, GA 30824Febuary 26, 2001Full Service Brick and Mortar
    20360547Metter Branch24-28 North Broad Street, Metter, GA 30439June 18, 2001Full Service Brick and Mortar
    22364690Grovetown Branch5049 Wrightsboro Road, Grovetown, GA 30813June 10, 2002Full Service Brick and Mortar
    23425177Tobacco Road Branch2550 Tobacco Road, Hephzibah, GA 30815December 08, 2003Full Service Brick and Mortar
    24428082Evans Branch4321 Washington Road, Evans, GA 30809March 23, 2004Full Service Brick and Mortar
    25451637Fury's Ferry Branch421 Fury's Ferry Road, Martinez, GA 30907Febuary 27, 2006Full Service Brick and Mortar
    27457561Enterprise Mill Branch1450 Greene Street, Suite 150, Augusta, GA 30901May 15, 2006Full Service Brick and Mortar
    28493087Savannah Branch216 West Hwy 80, Savannah, GA 31408June 30, 2009Full Service Brick and Mortar
    29493088Walton Way Branch3617 Walton Way Extension, Augusta, GA 30909June 30, 2009Full Service Brick and Mortar

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