Bank of Pine Hill in Pine Hill, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Pine Hill - Overview

  • General
  • FDIC Certificate #: 16607
    Status: Active
    Federal Reserve ID: 561239
    Date Established: August 21, 1947
    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
  • Location
  • Address: 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 Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 9Total employees (full-time equivalent)
  • $25,210Total assets
  • $834Cash and due from depository institutions
  • $117Interest-bearing balances
  • $17,416Securities
  • $625Federal funds sold & reverse repurchase agreements
  • $5,415Net loans & leases
  • $145Loan loss allowance
  • $0Trading account assets
  • $292Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $25,210Life insurance assets
  • $628All other assets
  • $21,852Total liabilities and capital
  • $21,304Total liabilities
  • $18,674Total deposits
  • $21,304Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $48Subordinated debt
  • $3,358All other liabilities
  • $3,358Total equity capital
  • $3,358Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $700Surplus
  • $2,558Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $452Income earned, not collected on loans
  • $0Earning assets
  • $236Long-term assets (5+ years)
  • $23,573Average Assets, year-to-date
  • $14,962Average Assets, quarterly
  • $25,575Volatile liabilities
  • $25,321Insider loans
  • $11,063FHLB advances
  • $25,309Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,198Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $512Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $936Total interest income
  • $301Total interest expense
  • $635Net interest income
  • $0Provision for loan and lease losses
  • $118Total noninterest income
  • $0Fiduciary activities
  • $96Service charges on deposit accounts
  • $0Trading account gains & fees
  • $22Additional noninterest income
  • $762Total noninterest expense
  • $314Salaries and employee benefits
  • $263Premises and equipment expense
  • $185Additional noninterest expense
  • -$9Pre-tax net operating income
  • $57Securities gains (losses)
  • $1Applicable income taxes
  • $47Income before extraordinary items
  • $0Extraordinary gains - net
  • $47Net income attributable to bank
  • $0Net charge-offs
  • $47Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $60Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.94%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 2.67%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.20%Noninterest expense to earning assets
  • -0.03%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.19%Pretax return on assets
  • 1.46%Return on equity (ROE)
  • -0.40%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 101,195Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 127.66%Loss allowance to loans
  • 2.61%Loss allowance to noncurrent loans
  • 32.08%Noncurrent assets plus other real estate owned to assets
  • 1.79%Noncurrent loans to loans
  • 8.13%Net loans and leases to deposits
  • 25.42%Net loans and leases to core deposits
  • 25.42%Equity capital to assets
  • 13.32%Core capital (leverage) ratio
  • 12.64%Tier 1 risk-based capital ratio
  • 28.91%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $25,575Average earning assets
  • $3,220Average equity
  • $23,783Average loans

List of branches

  • 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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