City Bank of Hartford in Hartford, Alabama (AL)

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City Bank of Hartford
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)21
Total assets$57,086
Cash and due from depository institutions$17,337
Interest-bearing balances$11,836
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$27,517
Loan loss allowance $368
Trading account assets$0
Bank premises and fixed assets$738
Other real estate owned$1,155
Goodwill and other intangibles$0
All other assets$720
Life insurance assets$57,086
Total liabilities and capital$51,454
Total liabilities$51,316
Total deposits$42,782
Interest-bearing deposits$51,316
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $138
All other liabilities $5,632
Total equity capital$5,632
Total bank equity capital$5,632
Perpetual preferred stock$0
Common stock$250
Undivided profits $4,432
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,399
Earning assets $0
Long-term assets (5+ years) $444
Average Assets, year-to-date $48,972
Average Assets, quarterly $7,197
Volatile liabilities $59,026
Insider loans $57,808
FHLB advances $28,871
Loans and leases held for sale $58,100
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,395
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,827
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,457
Total interest expense $589
Net interest income $1,868
Provision for loan and lease losses $251
Total noninterest income $213
Fiduciary activities $0
Service charges on deposit accounts $275
Trading account gains & fees $0
Additional noninterest income -$62
Total noninterest expense $1,596
Salaries and employee benefits $727
Premises and equipment expense $177
Additional noninterest expense $692
Pre-tax net operating income $234
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $234
Extraordinary gains - net $0
Net income attributable to bank $234
Net charge-offs $0
Cash dividends $234
Sale, conversion, retirement of capital stock, net $249
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.72%
Cost of funding earning assets 1.13%
Net interest margin 3.59%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 3.06%
Net operating income to assets 0.40%
Return on assets (ROA) 0.40%
Pretax return on assets 0.40%
Return on equity (ROE) 4.51%
Retained earnings to average equity (YTD only) 4.51%
Net charge-offs to loans 0.80%
Credit loss provision to net charge-offs 100.80%
Efficiency ratio1.95%
Assets per employee$76,694
Cash dividends to net income (YTD only)2.72%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.32%
Noncurrent assets plus other real estate owned to assets 15.34%
Noncurrent loans to loans 6.23%
Net loans and leases to deposits8.60%
Net loans and leases to core deposits 53.62%
Equity capital to assets 55.13%
Core capital (leverage) ratio 9.87%
Tier 1 risk-based capital ratio 9.29%
Total risk-based capital ratio 18.69%
Average assets$20
Average earning assets$59,026
Average equity $5,192
Average loans $52,086
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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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