Alabama Trust Bank, National Association - Overview
General
FDIC Certificate #: 35224 Status: Active Federal Reserve ID: 2905565 Bank Holding Company (Regulatory Top Holder): Guardian Bancshares, Inc. (RSSDID: 3489419, Location: Sylacauga, AL) Date Established: April 14, 2000 WWW:http://www.alatrust.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 76779 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: April 14, 2000 Last Structure Change Effective Date: Febuary 24, 2011 Last Structure Change Process Date: Febuary 24, 2011 Last Data Update: Febuary 24, 2011 Data Source Date: April 05, 2012
Location
Address: 101 West Fort Williams Street, Sylacauga, AL 35150 County: Talladega Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Shelby Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Core Based Statistical Area (CBSA): Talladega-Sylacauga, AL (#45180) CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $55.5 mil Equity capital: $1.3 mil Deposits held in domestic offices: $48.1 mil Return on assets (ROA): -3.18% (-$1.8 mil) Quarterly return on assets: -6.13% (-$3.4 mil) Return on Equity (ROE): -75.82% (-$0.8 mil) Quarterly return on equity: -189.97% (-$1.9 mil) Net income: -$1.9 mil Quarterly Net income: -$0.9 mil Pretax return on assets: -3.18% (-$1,765.2 mil) Quarterly Pretax return on assets: -6.13% (-$3,402.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$55,509Total assets
$7,879Cash and due from depository institutions
$3,740Interest-bearing balances
$5,890Securities
$0Federal funds sold & reverse repurchase agreements
$38,165Net loans & leases
$1,431Loan loss allowance
$0Trading account assets
$194Bank premises and fixed assets
$2,494Other real estate owned
$0Goodwill and other intangibles
$55,509Life insurance assets
$887All other assets
$54,178Total liabilities and capital
$48,087Total liabilities
$37,969Total deposits
$48,087Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,000Trading liabilities
$0Other borrowed funds
$91Subordinated debt
$1,331All other liabilities
$1,331Total equity capital
$1,331Total bank equity capital
$0Perpetual preferred stock
$2,322Common stock
$4,139Surplus
$-5,130Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,529Income earned, not collected on loans
$646Earning assets
$155Long-term assets (5+ years)
$47,795Average Assets, year-to-date
$6,966Average Assets, quarterly
$60,896Volatile liabilities
$57,482Insider loans
$36,381FHLB advances
$57,365Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,354Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,736Restructured Loans and leases
$1,744Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,894Total interest income
$734Total interest expense
$2,160Net interest income
$1,510Provision for loan and lease losses
$372Total noninterest income
$0Fiduciary activities
$289Service charges on deposit accounts
$0Trading account gains & fees
$83Additional noninterest income
$3,111Total noninterest expense
$1,053Salaries and employee benefits
$392Premises and equipment expense
$1,666Additional noninterest expense
-$2,089Pre-tax net operating income
$155Securities gains (losses)
$0Applicable income taxes
-$1,934Income before extraordinary items
$0Extraordinary gains - net
-$1,934Net income attributable to bank
$0Net charge-offs
-$1,934Cash dividends
$1,842Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.51%Yield on earning assets
1.40%Cost of funding earning assets
4.11%Net interest margin
0.71%Noninterest income to earning assets
5.93%Noninterest expense to earning assets
-3.43%Net operating income to assets
-3.18%Return on assets (ROA)
-3.18%Pretax return on assets
-75.82%Return on equity (ROE)
-75.82%Retained earnings to average equity (YTD only)
4.12%Net charge-offs to loans
81.98%Credit loss provision to net charge-offs
-0.31%Efficiency ratio
122,867Assets per employee
2.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.61%Loss allowance to noncurrent loans
40.55%Noncurrent assets plus other real estate owned to assets
10.85%Noncurrent loans to loans
8.91%Net loans and leases to deposits
79.37%Net loans and leases to core deposits
84.41%Equity capital to assets
2.40%Core capital (leverage) ratio
2.36%Tier 1 risk-based capital ratio
3.72%Total risk-based capital ratio
Memoranda
$5Average assets
$60,896Average earning assets
$2,551Average equity
$52,495Average loans
List of branches
1 Alabama Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
76779
Alabama Trust Bank, National Association
101 West Fort Williams Street, Sylacauga, AL 35150
April 14, 2000
Full Service Brick and Mortar
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