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

City Bank of Hartford - Overview

  • General
  • FDIC Certificate #: 22131
    Status: Active
    Federal Reserve ID: 51730
    Bank Holding Company (Regulatory Top Holder): Hartford Financial Corporation (RSSDID: 1129663, Location: Hartford, AL)
    Date Established: October 01, 1975
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 15372
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: October 01, 1975
    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: 307 West Main Street, Hartford, AL 36344
    County: Geneva
    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
    Combined Statistical Area (CSA): Dothan-Enterprise-Ozark, AL (#222)
    Core Based Statistical Area (CBSA): Dothan, AL (#20020)
    CBSA Metro Statistical Area: Dothan, AL (#20020)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $57.1 mil
    Equity capital: $5.6 mil
    Deposits held in domestic offices: $51.3 mil
    Return on assets (ROA): 0.40% ($0.2 mil)
    Quarterly return on assets: -0.05% (-$0.0 mil)
    Return on Equity (ROE): 4.51% ($0.3 mil)
    Quarterly return on equity: -0.50% (-$0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.40% ($228.3 mil)
    Quarterly Pretax return on assets: -0.17% (-$97.0 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
  • 21Total employees (full-time equivalent)
  • $57,086Total assets
  • $17,337Cash and due from depository institutions
  • $11,836Interest-bearing balances
  • $9,619Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $27,517Net loans & leases
  • $368Loan loss allowance
  • $0Trading account assets
  • $738Bank premises and fixed assets
  • $1,155Other real estate owned
  • $0Goodwill and other intangibles
  • $57,086Life insurance assets
  • $720All other assets
  • $51,454Total liabilities and capital
  • $51,316Total liabilities
  • $42,782Total deposits
  • $51,316Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $138Subordinated debt
  • $5,632All other liabilities
  • $5,632Total equity capital
  • $5,632Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $950Surplus
  • $4,432Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,399Income earned, not collected on loans
  • $0Earning assets
  • $444Long-term assets (5+ years)
  • $48,972Average Assets, year-to-date
  • $7,197Average Assets, quarterly
  • $59,026Volatile liabilities
  • $57,808Insider loans
  • $28,871FHLB advances
  • $58,100Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,395Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,827Restructured Loans and leases
  • $53Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,457Total interest income
  • $589Total interest expense
  • $1,868Net interest income
  • $251Provision for loan and lease losses
  • $213Total noninterest income
  • $0Fiduciary activities
  • $275Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$62Additional noninterest income
  • $1,596Total noninterest expense
  • $727Salaries and employee benefits
  • $177Premises and equipment expense
  • $692Additional noninterest expense
  • $234Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $234Income before extraordinary items
  • $0Extraordinary gains - net
  • $234Net income attributable to bank
  • $0Net charge-offs
  • $234Cash dividends
  • $249Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 4.51%Return on equity (ROE)
  • 4.51%Retained earnings to average equity (YTD only)
  • 0.80%Net charge-offs to loans
  • 100.80%Credit loss provision to net charge-offs
  • 1.95%Efficiency ratio
  • 76,694Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 15.34%Noncurrent assets plus other real estate owned to assets
  • 6.23%Noncurrent loans to loans
  • 8.60%Net loans and leases to deposits
  • 53.62%Net loans and leases to core deposits
  • 55.13%Equity capital to assets
  • 9.87%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 18.69%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $59,026Average earning assets
  • $5,192Average equity
  • $52,086Average loans

List of branches

  • 2 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015372City Bank Of Hartford307 West Main Street, Hartford, AL 36344October 01, 1975Full Service Brick and Mortar
    1465766Newton Office Branch465 S. College St, Newton, AL 36352June 15, 2007Full Service Brick and Mortar

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