Alabama Trust Bank, National Association in Sylacauga, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Alabama Trust Bank, National Association in Sylacauga, Alabama (AL)
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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
    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
  • NoIDNameAddressEstablishedService TypeMap
    076779Alabama Trust Bank, National Association101 West Fort Williams Street, Sylacauga, AL 35150April 14, 2000Full Service Brick and Mortar

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