BankTrust in Mobile, Alabama (AL), FL
Overview, Financial Summary, Detailed Financial Reports, Branches

BankTrust - Overview

  • General
  • FDIC Certificate #: 26607
    Status: Active
    Federal Reserve ID: 576130
    Bank Holding Company (Regulatory Top Holder): Banctrust Financial Group, Inc. (RSSDID: 1138012, Location: Mobile, AL)
    Date Established: March 20, 1986
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 51 (Domestic: 51, Interstate: Yes)
    OTS Docket #: 11262
    FDIC's unique #: 35328
    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 20, 1986
    Last Structure Change Effective Date: November 07, 2011
    Last Structure Change Process Date: January 30, 2012
    Last Data Update: January 30, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 107 St. Francis Street, Mobile, AL 36602
    County: Mobile
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Pensacola
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Mobile, AL (#5160)
    Combined Statistical Area (CSA): Mobile-Daphne-Fairhope, AL (#380)
    Core Based Statistical Area (CBSA): Mobile, AL (#33660)
    CBSA Metro Statistical Area: Mobile, AL (#33660)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $2,083.8 mil
    Equity capital: $222.2 mil
    Deposits held in domestic offices: $1,812.7 mil
    Return on assets (ROA): 0.14% ($2.9 mil)
    Quarterly return on assets: 0.02% ($0.4 mil)
    Return on Equity (ROE): 1.34% ($3.0 mil)
    Quarterly return on equity: 0.18% ($0.4 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.14% ($2,917.4 mil)
    Quarterly Pretax return on assets: -0.13% (-$2,709.0 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
  • 540Total employees (full-time equivalent)
  • $2,083,848Total assets
  • $99,853Cash and due from depository institutions
  • $60,742Interest-bearing balances
  • $516,315Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,248,143Net loans & leases
  • $44,482Loan loss allowance
  • $0Trading account assets
  • $71,353Bank premises and fixed assets
  • $84,387Other real estate owned
  • $3,519Goodwill and other intangibles
  • $2,083,848Life insurance assets
  • $60,278All other assets
  • $1,861,581Total liabilities and capital
  • $1,812,700Total liabilities
  • $1,554,498Total deposits
  • $1,812,700Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $36,518Trading liabilities
  • $0Other borrowed funds
  • $12,363Subordinated debt
  • $222,267All other liabilities
  • $222,172Total equity capital
  • $222,172Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $293,698Surplus
  • $-71,526Undivided profits
  • Memoranda
  • $95Noncurrent loans and leases
  • $2,021Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $109,186Income earned, not collected on loans
  • $0Earning assets
  • $6,224Long-term assets (5+ years)
  • $1,825,200Average Assets, year-to-date
  • $355,644Average Assets, quarterly
  • $2,138,983Volatile liabilities
  • $2,100,292Insider loans
  • $1,477,539FHLB advances
  • $2,097,330Loans and leases held for sale
  • $16,692Unused loan commitments
  • $15,176Tier 1 (core) risk-based capital
  • $216,965Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,516Total unused commitments
  • $208,771Restructured Loans and leases
  • $57,678Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $80,797Total interest income
  • $16,420Total interest expense
  • $64,377Net interest income
  • $18,849Provision for loan and lease losses
  • $11,244Total noninterest income
  • $3,557Fiduciary activities
  • $6,226Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,461Additional noninterest income
  • $57,383Total noninterest expense
  • $27,792Salaries and employee benefits
  • $9,663Premises and equipment expense
  • $19,928Additional noninterest expense
  • -$611Pre-tax net operating income
  • $3,682Securities gains (losses)
  • $90Applicable income taxes
  • $2,981Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,961Net income attributable to bank
  • $20Net charge-offs
  • $2,981Cash dividends
  • $22,298Sale, conversion, retirement of capital stock, net
  • $2,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.29%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • -0.03%Net operating income to assets
  • 0.14%Return on assets (ROA)
  • 0.14%Pretax return on assets
  • 1.34%Return on equity (ROE)
  • 0.39%Retained earnings to average equity (YTD only)
  • 1.67%Net charge-offs to loans
  • 84.53%Credit loss provision to net charge-offs
  • 0.82%Efficiency ratio
  • 74,411Assets per employee
  • 3.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.92%Loss allowance to loans
  • 3.44%Loss allowance to noncurrent loans
  • 40.74%Noncurrent assets plus other real estate owned to assets
  • 9.29%Noncurrent loans to loans
  • 8.45%Net loans and leases to deposits
  • 68.86%Net loans and leases to core deposits
  • 74.75%Equity capital to assets
  • 10.66%Core capital (leverage) ratio
  • 10.34%Tier 1 risk-based capital ratio
  • 14.68%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $2,138,983Average earning assets
  • $221,472Average equity
  • $1,883,911Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $677,554Managed Assets
  • 1Number of Accounts
  • $444,454Personal trust and agency accounts
  • $291,465Employee benefit-defined contribution accounts
  • $2,303Employee benefit-defined benefit accounts
  • $39,893Other retirement accounts
  • $17,080Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $71,677Other fiduciary accounts
  • $22,036Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1040Number of Accounts
  • $0Personal trust and agency accounts
  • $17,080Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $233,100Other retirement accounts
  • $476Corporate trust and agency accounts
  • $161,901Other fiduciary accounts
  • $59,012Fiduciary accounts held in foreign offices

List of branches

  • 40 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    035328Banktrust107 St. Francis Street, Mobile, AL 36602March 20, 1986Full Service Brick and Mortar
    2259747Dauphin/65 Branch3254 Dauphin Street, Mobile, AL 36606May 23, 1986Full Service Brick and Mortar
    3259748Hillcrest Financial Center850 Hillcrest Road, Mobile, AL 36608December 01, 1989Full Service Brick and Mortar
    4259749Springhill Branch4425 Old Shell Road, Mobile, AL 36608July 01, 1991Full Service Brick and Mortar
    9259754Foley Branch699 South Mckenzie, Foley, AL 36535March 25, 1998Full Service Brick and Mortar
    11358878Daphne Branch2507 U. S. Highway 98, Daphne, AL 36526November 06, 2000Full Service Brick and Mortar
    12363091Schillinger Road Branch7790 Cottage Hill Road, Mobile, AL 36695January 03, 2002Full Service Brick and Mortar
    1341Banktrust Of Brewton/Branch227 Belleville Avenue, Brewton, AL 36426Febuary 05, 1912Full Service Brick and Mortar
    14180962East Brewton Branch503 Forrest Avenue, East Brewton, AL 36426March 27, 1964Full Service Brick and Mortar
    15180963Northside Branch1201 Douglas Street, Brewton, AL 36426Febuary 12, 1968Full Service Brick and Mortar
    166139The Monroe County Bank/Branch60 Hines Street, Monroeville, AL 36461January 01, 1904Full Service Brick and Mortar
    17220687South Monroeville BranchWhetstone And South Alabama Avenue, Monroeville, AL 36460January 23, 1985Full Service Brick and Mortar
    18430456Saraland Branch1025 Highway 43 South, Saraland, AL 36571July 09, 2003Full Service Brick and Mortar
    191822The Commerical Bank Of Demopolis/Bra201 North Main Avenue, Demopolis, AL 36732June 26, 1911Full Service Brick and Mortar
    20194313Highway 80 BranchHighways 80 And 43, Demopolis, AL 36732December 03, 1984Full Service Brick and Mortar
    216141Banktrust Of Alabama Branch218-220 East Broad Street, Eufaula, AL 36027January 01, 1926Full Service Brick and Mortar
    22220689South Eufaula Avenue BranchSouth Eufaula Avenue & Hunters Inlet Road, Eufaula, AL 36027September 07, 1972Full Service Brick and Mortar
    23220691Montgomery Branch4290 Carmichael Road, Montgomery, AL 36106October 15, 1997Full Service Brick and Mortar
    24364078Montgomery Taylor Road Branch951 Taylor Road, Montgomery, AL 36117March 18, 2002Full Service Brick and Mortar
    25418434Prattville Branch1916 Cobbs Ford Road, Prattville, AL 36066October 30, 2002Full Service Brick and Mortar
    26545The Peoples Bank & Trust Company Bra310 Broad Street, Selma, AL 36701August 02, 1902Full Service Brick and Mortar
    2714334Selma Mall Branch1305 East Highland Avenue, Selma, AL 36701August 01, 1972Full Service Brick and Mortar
    2811456Greenville Main Branch300-314 East Commerce Street, Greenville, AL 36037July 15, 1955Full Service Brick and Mortar
    29241775Mckenzie Branch15 Garland Street, Mckenzie, AL 36456September 11, 1963Full Service Brick and Mortar
    30241776Georgiana Branch412 Highway 106 West, Georgiana, AL 36033June 07, 1976Full Service Brick and Mortar
    31241777Bulter Square Branch122 Greenville Bypass, Greenville, AL 36037June 08, 1981Full Service Brick and Mortar
    32186280Satterfield Plaza Branch1805 West Dallas Avenue, Selma, AL 36701June 29, 1984Limited Service Facility
    3311936Prattville Main Office148 East Main Street, Prattville, AL 36067June 05, 1959Full Service Brick and Mortar
    35186285Millbrook Branch3891 Highway 14, Millbrook, AL 36054March 04, 1997Full Service Brick and Mortar
    363817Montevallo Branch835 Main Street, Montevallo, AL 35115January 01, 1902Full Service Brick and Mortar
    37186286Centreville Branch125 Hazel Avenue, Centreville, AL 35042July 28, 1997Full Service Brick and Mortar
    381155Tallassee Main Branch304 Barnett Boulevard, Tallassee, AL 36078January 01, 1913Full Service Brick and Mortar
    39190058Tallaweka Branch1411 Gilmer Avenue, Tallassee, AL 36078May 24, 1979Limited Service Facility
    401140Eclectic Branch15 Kowaliga Road, Eclectic, AL 36024October 01, 1913Full Service Brick and Mortar
    42186290Opelika BranchThomason Drive, Opelika, AL 36801June 11, 1999Full Service Brick and Mortar
    43358245Helena Branch4949 Highway 17, Helena, AL 35080April 07, 2000Full Service Brick and Mortar
    44364608Auburn Branch415 North Dead Road, Auburn, AL 36830January 01, 2002Full Service Brick and Mortar
    46441095Bessemer Branch401 19th Street North, Bessemer, AL 35020May 23, 2005Full Service Retail
    51470753Tillman's Corner Branch5328 Highway 90 West Service Road, Mobile, AL 36619December 13, 2007Full Service Brick and Mortar
    52470754Fairhope Branch236 North Greeno Road, Fairhope, AL 36532January 02, 2008Full Service Brick and Mortar
  • 10 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5336396Banktrust Florida BranchMack Bayou Road And U.S. Highway 98, Santa Rosa Beach, FL 32459June 12, 1987Full Service Brick and Mortar
    54260578Freeport Branch16234 Highway 331 South, Freeport, FL 32439December 15, 1997Full Service Brick and Mortar
    55260579Grayton Beach Branch150 East County Highway 30a, Grayton Beach, FL 32459April 17, 1997Full Service Brick and Mortar
    56260580Lynn Haven Branch2315 State Highway 77, Lynn Haven, FL 32444November 12, 1997Full Service Brick and Mortar
    58418459Messenger Service Branch7700 Highway 98 West, Santa Rosa Beach, FL 32459March 01, 2000Limited Service Messenger
    59419915Destin Branch34855 Emerald Coast Parkway, Destin, FL 32541March 10, 2003Full Service Brick and Mortar
    60425164Niceville Branch799 East John Sims Parkway, Niceville, FL 32578January 02, 2004Full Service Brick and Mortar
    61429766Crestview Branch1239 Ferdon Blvd, Crestview, FL 32536March 29, 2004Full Service Brick and Mortar
    62455373Panama City Beach Branch22219 Panama City Beach Parkway, Panama City Beach, FL 32413September 15, 2006Full Service Brick and Mortar
    63466784Defuniak Springs Branch993 Us Highway 31 South, Defuniak Springs, FL 32435November 06, 2006Full Service Retail

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