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 WWW:http://www.bankofwalkercounty.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) 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
No
ID
Name
Address
Established
Service Type
Map
0
418989
Bank Of Walker County
607 Hwy 78 East, Jasper, AL 35501
March 29, 2004
Full Service Brick and Mortar
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