Vitals
  • Total Assets
    127.6M -0.6 %
  • Total Deposits
    107.7M 2.8 %
  • Total Net Loans
    65.8M 9.7 %
  • Net Income
    1.2M 11.2 %
  • Book Value
    19.2M 6.9 %
  • Book Value x2
    38.5M 6.9 %
  • Book Value x3
    57.7M 6.9 %
ROAA

1.261

ROAE

8.604

Efficiency Ratio

68.931

Net Interest Margin

4.423

Balance Sheet Highlights
Financial Highlights Farmers State Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 127,619 247,607
Total Net Loans 65,771 156,011
Total Deposits 107,693 212,199
Total Equity 19,232 27,648
Profitability
Net Income 1,215 2,180
Return on Average Assets 1.261 1.008
Return on Average Equity 8.604 9.016
Net Interest Margin 4.423 4.028
Efficiency Ratio 68.931 71.784
Noninterest Income/Revenue 16.689 19.036
Balance Sheet Ratios
Loan-to-Deposit 61.073 72.795
Securities/Assets .313 .165
Total Equity/Total Assets .151 .112
Tangible Equity/Tangible Assets .151 .11
Capital Adequacy
Tier 1 Common Capital 18,078 25,721
Tier 1 Capital 18,078 25,796
Tier 2 Capital 647 1,898
Total Capital 18,725 27,748
Total Risk Weighted Assets 74,196 168,792
Leverage Ratio 14.14 10.74
Common Equity Tier 1 Capital Ratio 24.37 16.222
Tier 1 Capital Ratio 24.37 16.316
Total Capital Ratio 25.24 17.473

Timeline for Farmers State Bank

Lincoln Bancshares, Inc.

Lincoln Bancshares, Inc. became a new parent organization for Farmers State Bank.

View Profile Jan 03 1985

Farmers State Bank

Farmers State Bank was established 112 years ago and is currently headquartered in Lincolnton, GA.

Dec 02 1911
Relationships Role Relationship Start Relationship End
Lincoln Bancshares, Inc. Parent 3/9/1998
Lincoln Bancshares, Inc. Parent 1/3/1985 3/8/1998
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