Bank of Pine Hill in Pine Hill, Alabama (AL)



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Bank of Pine Hill routing number info

Table of contents:
Bank of Pine Hill
GeneralFDIC Certificate #: 16607
Status: Active
Federal Reserve ID: 561239
Date Established: August 21, 1947
WWW: http://www.bankofpinehill.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 16022
FDIC's unique #: 10749
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: August 21, 1947
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 3939 Broad Street, Pine Hill, AL 36769
County: Wilcox
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Montgomery
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
History of ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $25.2 mil
Equity capital: $3.4 mil
Deposits held in domestic offices: $21.3 mil
Return on assets (ROA): 0.18% ($0.0 mil)
Quarterly return on assets: 0.11% ($0.0 mil)
Return on Equity (ROE): 1.46% ($0.0 mil)
Quarterly return on equity: 0.82% ($0.0 mil)
Net income: $0.0 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.19% ($47.9 mil)
Quarterly Pretax return on assets: 0.09% ($22.7 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)
Total employees (full-time equivalent)9
Total assets$25,210
Cash and due from depository institutions$834
Interest-bearing balances$117
Securities$17,416
Federal funds sold & reverse repurchase agreements$625
Net loans & leases$5,415
Loan loss allowance $145
Trading account assets$0
Bank premises and fixed assets$292
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$628
Life insurance assets$25,210
Total liabilities and capital$21,852
Total liabilities$21,304
Total deposits$18,674
Interest-bearing deposits$21,304
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$500
Other borrowed funds $0
Subordinated debt $48
All other liabilities $3,358
Total equity capital$3,358
Total bank equity capital$3,358
Perpetual preferred stock$0
Common stock$100
Surplus$700
Undivided profits $2,558
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $452
Earning assets $0
Long-term assets (5+ years) $236
Average Assets, year-to-date $23,573
Average Assets, quarterly $14,962
Volatile liabilities $25,575
Insider loans $25,321
FHLB advances $11,063
Loans and leases held for sale $25,309
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,198
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
Derivatives$512
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $936
Total interest expense $301
Net interest income $635
Provision for loan and lease losses $0
Total noninterest income $118
Fiduciary activities $0
Service charges on deposit accounts $96
Trading account gains & fees $0
Additional noninterest income $22
Total noninterest expense $762
Salaries and employee benefits $314
Premises and equipment expense $263
Additional noninterest expense $185
Pre-tax net operating income -$9
Securities gains (losses) $57
Applicable income taxes $1
Income before extraordinary items $47
Extraordinary gains - net $0
Net income attributable to bank $47
Net charge-offs $0
Cash dividends $47
Sale, conversion, retirement of capital stock, net $0
Net operating income $60
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.94%
Cost of funding earning assets 1.27%
Net interest margin 2.67%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 3.20%
Net operating income to assets -0.03%
Return on assets (ROA) 0.18%
Pretax return on assets 0.19%
Return on equity (ROE) 1.46%
Retained earnings to average equity (YTD only) -0.40%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$101,195
Cash dividends to net income (YTD only)2.80%
Condition Ratios (%)
Loss allowance to loans 127.66%
Loss allowance to noncurrent loans 2.61%
Noncurrent assets plus other real estate owned to assets 32.08%
Noncurrent loans to loans 1.79%
Net loans and leases to deposits8.13%
Net loans and leases to core deposits 25.42%
Equity capital to assets 25.42%
Core capital (leverage) ratio 13.32%
Tier 1 risk-based capital ratio 12.64%
Total risk-based capital ratio 28.91%
Memoranda
Average assets$30
Average earning assets$25,575
Average equity $3,220
Average loans $23,783
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1 Alabama Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010749Bank Of Pine Hill3939 Broad Street, Pine Hill, AL 36769August 21, 1947Full Service Brick and Mortar
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