Thomas County Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 29331 Status: Active Federal Reserve ID: 67870 Date Established: January 01, 1934 WWW:http://www.thomascountyfederal.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 3293 FDIC's unique #: 42165 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: 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 28, 1935 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 131 South Dawson 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
Change in Primary Regulatory Agency
Financial Summary
Total assets: $282.3 mil Equity capital: $46.4 mil Deposits held in domestic offices: $225.1 mil Return on assets (ROA): -0.88% (-$2.5 mil) Quarterly return on assets: 0.37% ($1.0 mil) Return on Equity (ROE): -5.37% (-$2.5 mil) Quarterly return on equity: 2.25% ($1.0 mil) Net income: -$2.6 mil Quarterly Net income: $0.3 mil Pretax return on assets: -1.72% (-$4,856.4 mil) Quarterly Pretax return on assets: -1.01% (-$2,851.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
38Total employees (full-time equivalent)
$282,348Total assets
$26,963Cash and due from depository institutions
$21,485Interest-bearing balances
$15,399Securities
$0Federal funds sold & reverse repurchase agreements
$226,281Net loans & leases
$3,606Loan loss allowance
$0Trading account assets
$1,434Bank premises and fixed assets
$2,948Other real estate owned
$0Goodwill and other intangibles
$282,348Life insurance assets
$9,323All other assets
$235,932Total liabilities and capital
$225,056Total liabilities
$222,051Total deposits
$225,056Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,129Trading liabilities
$0Other borrowed funds
$747Subordinated debt
$46,416All other liabilities
$46,416Total equity capital
$46,416Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$46,416Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$11,123Income earned, not collected on loans
$0Earning assets
$1,085Long-term assets (5+ years)
$263,165Average Assets, year-to-date
$0Average Assets, quarterly
$288,988Volatile liabilities
$283,022Insider loans
$213,618FHLB advances
$282,258Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$46,326Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,501Restructured Loans and leases
$1,666Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$13,203Total interest income
$3,381Total interest expense
$9,822Net interest income
$7,998Provision for loan and lease losses
-$1,316Total noninterest income
$0Fiduciary activities
$333Service charges on deposit accounts
$0Trading account gains & fees
-$1,649Additional noninterest income
$5,692Total noninterest expense
$3,473Salaries and employee benefits
$654Premises and equipment expense
$1,565Additional noninterest expense
-$5,184Pre-tax net operating income
$201Securities gains (losses)
-$2,427Applicable income taxes
-$2,556Income before extraordinary items
$0Extraordinary gains - net
-$2,556Net income attributable to bank
$0Net charge-offs
-$2,556Cash dividends
$9,020Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.93%Yield on earning assets
1.26%Cost of funding earning assets
3.67%Net interest margin
-0.49%Noninterest income to earning assets
2.13%Noninterest expense to earning assets
-0.93%Net operating income to assets
-0.88%Return on assets (ROA)
-1.72%Pretax return on assets
-5.37%Return on equity (ROE)
-5.37%Retained earnings to average equity (YTD only)
3.95%Net charge-offs to loans
88.67%Credit loss provision to net charge-offs
0.31%Efficiency ratio
66,917Assets per employee
7.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
32.42%Noncurrent assets plus other real estate owned to assets
4.98%Noncurrent loans to loans
4.84%Net loans and leases to deposits
100.54%Net loans and leases to core deposits
102.62%Equity capital to assets
16.44%Core capital (leverage) ratio
16.41%Tier 1 risk-based capital ratio
21.69%Total risk-based capital ratio
Memoranda
$23Average assets
$288,988Average earning assets
$47,620Average equity
$267,702Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42165
Thomas County Federal Savings And Lo
131 South Dawson Street, Thomasville, GA 31792
January 01, 1934
Full Service Brick and Mortar
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Thomas County Federal Savings and Loan Association
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