First National Bank Of The South Financial Statements & Health Reports

Acquired Jul 2008

Vitals

Total Assets

206.0M -2.8 %
Total Deposits

154.8M 2.0 %
Total Net Loans

109.1M -22.2 %
Net Income

104000.0000 -89.6 %
Book Value

36.1M -8.5 %
Book Value x2

72.3M -8.5 %
Book Value x3

108.4M -8.5 %

ROAA

.308

ROAE

1.624

Efficiency Ratio

80.109

Net Interest Margin

2.479

Balance Sheet Highlights

Financial Highlights	First National Bank Of The South	All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets	206,001	223,959
Total Net Loans	109,083	168,343
Total Deposits	154,767	183,050
Total Equity	36,132	22,029
Profitability
Net Income	104	5,827
Return on Average Assets	.308	.996
Return on Average Equity	1.624	9.535
Net Interest Margin	2.479	3.593
Efficiency Ratio	80.109	82.103
Noninterest Income/Revenue	16.52	16.558
Balance Sheet Ratios
Loan-to-Deposit	70.482	88.15
Securities/Assets	.046	.193
Total Equity/Total Assets	.175	.098
Tangible Equity/Tangible Assets	.074	-.751
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	15,255	20,678
Tier 2 Capital	1,907	2,304
Total Capital	17,162	22,936
Total Risk Weighted Assets	144,675	180,273
Leverage Ratio	8.99	10.241
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	10.54	13.04
Total Capital Ratio	11.86	14.21

Timeline for First National Bank Of The South

Suntrust Bank

First National Bank Of The South was acquired by Suntrust Bank 15 years

View Profile Jul 25 2008

Suntrust Banks, Inc.

Suntrust Banks, Inc. became a new parent organization for First National Bank Of The South.

View Profile May 01 2008

Gb&T Bancshares, Inc.

Gb&T Bancshares, Inc. became a new parent organization for First National Bank Of The South.

View Profile Aug 30 2003

First National Insurance Services, Inc.

First National Insurance Services, Inc. became a new subsidiary organization for First National Bank Of The South.

View Profile Jan 31 2001