The Citizens State Bank of Taylor County - Overview
General
FDIC Certificate #: 884 Status: Active Federal Reserve ID: 960533 Bank Holding Company (Regulatory Top Holder): Georgia Community Bancorp, Incorporated (RSSDID: 1245581, Location: Reynolds, GA) Date Established: September 08, 1922 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 565 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 22, 2011 Last Structure Change Process Date: June 13, 2011 Last Data Update: June 13, 2011 Data Source Date: April 05, 2012
Location
Address: Winston And Montague Streets, Reynolds, GA 31076 County: Taylor 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
Financial Summary
Total assets: $40.9 mil Equity capital: $5.6 mil Deposits held in domestic offices: $35.2 mil Return on assets (ROA): 0.06% ($0.0 mil) Quarterly return on assets: -0.64% (-$0.3 mil) Return on Equity (ROE): 0.48% ($0.0 mil) Quarterly return on equity: -4.73% (-$0.3 mil) Net income: $0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.06% ($24.6 mil) Quarterly Pretax return on assets: -0.64% (-$262.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$40,936Total assets
$4,680Cash and due from depository institutions
$0Interest-bearing balances
$10,569Securities
$3,255Federal funds sold & reverse repurchase agreements
$21,331Net loans & leases
$581Loan loss allowance
$0Trading account assets
$289Bank premises and fixed assets
$370Other real estate owned
$0Goodwill and other intangibles
$40,936Life insurance assets
$442All other assets
$35,376Total liabilities and capital
$35,189Total liabilities
$28,438Total deposits
$35,189Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$187Subordinated debt
$5,560All other liabilities
$5,560Total equity capital
$5,560Total bank equity capital
$0Perpetual preferred stock
$87Common stock
$3,113Surplus
$2,360Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$548Income earned, not collected on loans
$0Earning assets
$309Long-term assets (5+ years)
$35,155Average Assets, year-to-date
$13,055Average Assets, quarterly
$42,379Volatile liabilities
$41,229Insider loans
$24,634FHLB advances
$41,533Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,283Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$515Restructured Loans and leases
$219Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,204Total interest income
$410Total interest expense
$1,794Net interest income
$362Provision for loan and lease losses
$110Total noninterest income
$0Fiduciary activities
$214Service charges on deposit accounts
$0Trading account gains & fees
-$104Additional noninterest income
$1,589Total noninterest expense
$851Salaries and employee benefits
$207Premises and equipment expense
$531Additional noninterest expense
-$47Pre-tax net operating income
$74Securities gains (losses)
$1Applicable income taxes
$26Income before extraordinary items
$0Extraordinary gains - net
$26Net income attributable to bank
$0Net charge-offs
$26Cash dividends
$434Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.98%Yield on earning assets
1.11%Cost of funding earning assets
4.87%Net interest margin
0.30%Noninterest income to earning assets
4.31%Noninterest expense to earning assets
-0.11%Net operating income to assets
0.06%Return on assets (ROA)
0.06%Pretax return on assets
0.48%Return on equity (ROE)
0.48%Retained earnings to average equity (YTD only)
1.94%Net charge-offs to loans
83.41%Credit loss provision to net charge-offs
0.73%Efficiency ratio
83,456Assets per employee
3.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.65%Loss allowance to noncurrent loans
106.02%Noncurrent assets plus other real estate owned to assets
2.24%Noncurrent loans to loans
2.50%Net loans and leases to deposits
60.62%Net loans and leases to core deposits
61.27%Equity capital to assets
13.58%Core capital (leverage) ratio
12.72%Tier 1 risk-based capital ratio
21.45%Total risk-based capital ratio
Memoranda
$23Average assets
$42,379Average earning assets
$5,399Average equity
$36,872Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
565
The Citizens State Bank Of Taylor Co
Winston And Montague Streets, Reynolds, GA 31076
September 08, 1922
Full Service Brick and Mortar
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