Escambia County Bank in Flomaton, Alabama (AL)



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Escambia County Bank routing number info

Table of contents:
Escambia County Bank
GeneralFDIC Certificate #: 1746
Status: Active
Federal Reserve ID: 305433
Date Established: January 01, 1924
WWW: http://www.escambiacountybank.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 #: 1158
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: Yes
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 27, 2010
Last Structure Change Process Date: May 27, 2010
Last Data Update: May 27, 2010
Data Source Date: April 05, 2012
LocationAddress: 2151 Ringold St, Flomaton, AL 36441
County: Escambia
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
History of ChangesChange in Location
Financial SummaryTotal assets: $90.9 mil
Equity capital: $11.0 mil
Deposits held in domestic offices: $73.0 mil
Return on assets (ROA): 0.16% ($0.1 mil)
Quarterly return on assets: 0.35% ($0.3 mil)
Return on Equity (ROE): 1.41% ($0.2 mil)
Quarterly return on equity: 2.89% ($0.3 mil)
Net income: $0.1 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.17% ($154.5 mil)
Quarterly Pretax return on assets: 0.39% ($354.5 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$90,889
Cash and due from depository institutions$2,931
Interest-bearing balances$20
Securities$59,174
Federal funds sold & reverse repurchase agreements$185
Net loans & leases$24,403
Loan loss allowance $870
Trading account assets$0
Bank premises and fixed assets$1,964
Other real estate owned$502
Goodwill and other intangibles$0
All other assets$1,730
Life insurance assets$90,889
Total liabilities and capital$79,906
Total liabilities$72,983
Total deposits$62,681
Interest-bearing deposits$72,983
Deposits held in domestic offices$88
% insured (estimated)1300.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,515
Other borrowed funds $0
Subordinated debt $108
All other liabilities $10,983
Total equity capital$10,983
Total bank equity capital$10,983
Perpetual preferred stock$0
Common stock$100
Surplus$5,000
Undivided profits $5,883
Memoranda
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 $1,005
Earning assets $0
Long-term assets (5+ years) $547
Average Assets, year-to-date $83,782
Average Assets, quarterly $58,352
Volatile liabilities $92,718
Insider loans $90,265
FHLB advances $40,119
Loans and leases held for sale $90,577
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,038
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,191
Derivatives$948
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,413
Total interest expense $815
Net interest income $2,598
Provision for loan and lease losses $275
Total noninterest income $397
Fiduciary activities $0
Service charges on deposit accounts $209
Trading account gains & fees $0
Additional noninterest income $188
Total noninterest expense $2,609
Salaries and employee benefits $1,396
Premises and equipment expense $278
Additional noninterest expense $935
Pre-tax net operating income $111
Securities gains (losses) $42
Applicable income taxes $6
Income before extraordinary items $147
Extraordinary gains - net $0
Net income attributable to bank $147
Net charge-offs $0
Cash dividends $147
Sale, conversion, retirement of capital stock, net $280
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 assets4.00%
Cost of funding earning assets 0.96%
Net interest margin 3.04%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 3.06%
Net operating income to assets 0.12%
Return on assets (ROA) 0.16%
Pretax return on assets 0.17%
Return on equity (ROE) 1.41%
Retained earnings to average equity (YTD only) 1.41%
Net charge-offs to loans 1.08%
Credit loss provision to net charge-offs 98.21%
Efficiency ratio1.38%
Assets per employee$87,112
Cash dividends to net income (YTD only)4.33%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.44%
Noncurrent assets plus other real estate owned to assets 86.57%
Noncurrent loans to loans 1.66%
Net loans and leases to deposits3.98%
Net loans and leases to core deposits 33.44%
Equity capital to assets 38.81%
Core capital (leverage) ratio 12.08%
Tier 1 risk-based capital ratio 11.08%
Total risk-based capital ratio 25.02%
Memoranda
Average assets$26
Average earning assets$92,718
Average equity $10,441
Average loans $85,334
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1 Alabama Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01158Escambia County Bank2151 Ringold St, Flomaton, AL 36441January 01, 1924Full Service Brick and Mortar
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