Bank of Walker County in Jasper, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Walker County in Jasper, Alabama (AL)
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Bank of Walker County - Overview

  • General
  • FDIC Certificate #: 57640
    Status: Active
    Federal Reserve ID: 3254297
    Bank Holding Company (Regulatory Top Holder): Relations Bancshares, Inc. (RSSDID: 3569049, Location: Jasper, AL)
    Date Established: March 29, 2004
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 418989
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 29, 2004
    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: 607 Hwy 78 East, Jasper, AL 35501
    County: Walker
    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
    Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
    Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
    CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $77.0 mil
    Equity capital: $9.7 mil
    Deposits held in domestic offices: $67.2 mil
    Return on assets (ROA): 0.58% ($0.4 mil)
    Quarterly return on assets: 1.19% ($0.9 mil)
    Return on Equity (ROE): 5.03% ($0.5 mil)
    Quarterly return on equity: 9.64% ($1.0 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.85% ($654.8 mil)
    Quarterly Pretax return on assets: 1.78% ($1,371.3 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)
  • $77,038Total assets
  • $7,170Cash and due from depository institutions
  • $6,834Interest-bearing balances
  • $14,893Securities
  • $5,861Federal funds sold & reverse repurchase agreements
  • $45,423Net loans & leases
  • $675Loan loss allowance
  • $0Trading account assets
  • $1,816Bank premises and fixed assets
  • $269Other real estate owned
  • $0Goodwill and other intangibles
  • $77,038Life insurance assets
  • $1,606All other assets
  • $67,302Total liabilities and capital
  • $67,224Total liabilities
  • $56,265Total deposits
  • $67,224Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $78Subordinated debt
  • $9,736All other liabilities
  • $9,736Total equity capital
  • $9,736Total bank equity capital
  • $0Perpetual preferred stock
  • $857Common stock
  • $7,568Surplus
  • $1,311Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $90Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $90Income earned, not collected on loans
  • $0Earning assets
  • $272Long-term assets (5+ years)
  • $73,011Average Assets, year-to-date
  • $17,769Average Assets, quarterly
  • $81,831Volatile liabilities
  • $78,612Insider loans
  • $50,098FHLB advances
  • $77,216Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,669Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,290Restructured Loans and leases
  • $1,334Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,739Total interest income
  • $997Total interest expense
  • $2,742Net interest income
  • $297Provision for loan and lease losses
  • $490Total noninterest income
  • $0Fiduciary activities
  • $404Service charges on deposit accounts
  • $0Trading account gains & fees
  • $86Additional noninterest income
  • $2,413Total noninterest expense
  • $1,040Salaries and employee benefits
  • $335Premises and equipment expense
  • $1,038Additional noninterest expense
  • $522Pre-tax net operating income
  • $172Securities gains (losses)
  • $219Applicable income taxes
  • $475Income before extraordinary items
  • $0Extraordinary gains - net
  • $475Net income attributable to bank
  • $0Net charge-offs
  • $475Cash dividends
  • $491Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 5.03%Return on equity (ROE)
  • 5.03%Retained earnings to average equity (YTD only)
  • 1.03%Net charge-offs to loans
  • 60.49%Credit loss provision to net charge-offs
  • 1.67%Efficiency ratio
  • 74,660Assets per employee
  • 4.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 750.00%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.20%Net loans and leases to deposits
  • 67.57%Net loans and leases to core deposits
  • 78.70%Equity capital to assets
  • 12.64%Core capital (leverage) ratio
  • 12.52%Tier 1 risk-based capital ratio
  • 19.30%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $81,831Average earning assets
  • $9,442Average equity
  • $77,232Average loans

List of branches

  • 1 Alabama Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0418989Bank Of Walker County607 Hwy 78 East, Jasper, AL 35501March 29, 2004Full Service Brick and Mortar

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