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

This bank is inactive as of June 08, 2001

  • Bank of Prattville in Prattville, Alabama (AL)
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Bank of Prattville - Overview

  • General
  • FDIC Certificate #: 15309
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Whitney National Bank (#18538)
    Federal Reserve ID: 591834
    Date Established: September 11, 1935
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 10725
    FDIC's unique #: 9649
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 06, 1935
    Last Structure Change Effective Date: June 08, 2001
    Last Structure Change Process Date: June 28, 2001
    Last Data Update: June 28, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 West Main Street, Prattville, AL 36067
    County: Autauga
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Montgomery, AL (#5240)
    Combined Statistical Area (CSA): Montgomery-Alexander City, AL (#388)
    Core Based Statistical Area (CBSA): Montgomery, AL (#33860)
    CBSA Metro Statistical Area: Montgomery, AL (#33860)
  • Financial Summary
  • Total assets: $159.7 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 76Total employees (full-time equivalent)
  • $160,626Total assets
  • $3,645Cash and due from depository institutions
  • $0Interest-bearing balances
  • $60,053Securities
  • $4,380Federal funds sold & reverse repurchase agreements
  • $85,771Net loans & leases
  • $2,991Loan loss allowance
  • $0Trading account assets
  • $2,710Bank premises and fixed assets
  • $37Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,030All other assets
  • $160,626Total liabilities and capital
  • $139,966Total liabilities
  • $136,260Total deposits
  • $110,464Interest-bearing deposits
  • $136,260Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $832Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,597Other borrowed funds
  • $0Subordinated debt
  • $1,277All other liabilities
  • $20,660Total equity capital
  • $20,660Total bank equity capital
  • $20,660Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $1,900Undivided profits
  • Memoranda
  • $18,660Noncurrent loans and leases
  • $7,298Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $721Earning assets
  • $0Long-term assets (5+ years)
  • $1,102Average Assets, year-to-date
  • $150,204Average Assets, quarterly
  • $62,741Volatile liabilities
  • $165,547Insider loans
  • $162,366FHLB advances
  • $22,003Loans and leases held for sale
  • $2,292Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,298Total unused commitments
  • $0Restructured Loans and leases
  • $1,457Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $13,198Total interest income
  • $5,648Total interest expense
  • $7,550Net interest income
  • $1,890Provision for loan and lease losses
  • $1,264Total noninterest income
  • $0Fiduciary activities
  • $1,079Service charges on deposit accounts
  • $0Trading account gains & fees
  • $185Additional noninterest income
  • $5,584Total noninterest expense
  • $3,102Salaries and employee benefits
  • $1,190Premises and equipment expense
  • $1,292Additional noninterest expense
  • $1,340Pre-tax net operating income
  • $850Securities gains (losses)
  • $554Applicable income taxes
  • $1,636Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,636Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $492Sale, conversion, retirement of capital stock, net
  • $110Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.75%Yield on earning assets
  • 3.75%Cost of funding earning assets
  • 5.01%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 3.70%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 8.62%Return on equity (ROE)
  • 8.04%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 384.15%Credit loss provision to net charge-offs
  • 6.57%Efficiency ratio
  • 63,354Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 6.72%Loss allowance to loans
  • 3.37%Loss allowance to noncurrent loans
  • 414.84%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.81%Net loans and leases to deposits
  • 62.95%Net loans and leases to core deposits
  • 74.53%Equity capital to assets
  • 12.86%Core capital (leverage) ratio
  • 12.90%Tier 1 risk-based capital ratio
  • 18.18%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $165,547Average earning assets
  • $18,976Average equity
  • $150,758Average loans

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