FNB Bank in Scottsboro, Alabama (AL)



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FNB Bank
GeneralFDIC Certificate #: 2824
Status: Active
Federal Reserve ID: 441434
Bank Holding Company (Regulatory Top Holder): Fns Bancshares, Inc. (RSSDID: 1137828, Location: Scottsboro, AL)
Date Established: January 01, 1907
WWW: http://www.yourfnbbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 12 (Domestic: 12, Interstate: No)
OTS Docket #: 14401
FDIC's unique #: 1846
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: January 01, 1934
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
LocationAddress: Broad And Appletree Streets, Scottsboro, AL 35768
County: Jackson
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
Core Based Statistical Area (CBSA): Scottsboro, AL (#42460)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $354.1 mil
Equity capital: $39.8 mil
Deposits held in domestic offices: $312.5 mil
Return on assets (ROA): 0.77% ($2.7 mil)
Quarterly return on assets: 0.85% ($3.0 mil)
Return on Equity (ROE): 6.89% ($2.8 mil)
Quarterly return on equity: 7.58% ($3.0 mil)
Net income: $2.7 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.04% ($3,682.6 mil)
Quarterly Pretax return on assets: 1.17% ($4,142.9 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)103
Total assets$354,098
Cash and due from depository institutions$27,136
Interest-bearing balances$23,748
Securities$91,454
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$207,742
Loan loss allowance $4,843
Trading account assets$0
Bank premises and fixed assets$4,608
Other real estate owned$10,390
Goodwill and other intangibles$0
All other assets$12,768
Life insurance assets$354,098
Total liabilities and capital$314,254
Total liabilities$312,529
Total deposits$253,560
Interest-bearing deposits$312,529
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,725
All other liabilities $39,844
Total equity capital$39,844
Total bank equity capital$39,844
Perpetual preferred stock$0
Common stock$500
Surplus$1,515
Undivided profits $37,829
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 $3,028
Earning assets $0
Long-term assets (5+ years) $1,577
Average Assets, year-to-date $322,944
Average Assets, quarterly $107,403
Volatile liabilities $346,758
Insider loans $355,938
FHLB advances $236,101
Loans and leases held for sale $355,671
Unused loan commitments $4,014
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $38,719
Total risk weighted assets $0
Total unused commitments $4,014
Restructured Loans and leases $25,929
Derivatives$5,111
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $15,333
Total interest expense $3,464
Net interest income $11,869
Provision for loan and lease losses $330
Total noninterest income $2,469
Fiduciary activities $0
Service charges on deposit accounts $2,171
Trading account gains & fees $0
Additional noninterest income $298
Total noninterest expense $10,385
Salaries and employee benefits $4,880
Premises and equipment expense $1,223
Additional noninterest expense $4,282
Pre-tax net operating income $3,623
Securities gains (losses) $0
Applicable income taxes $953
Income before extraordinary items $2,670
Extraordinary gains - net $0
Net income attributable to bank $2,670
Net charge-offs $0
Cash dividends $2,670
Sale, conversion, retirement of capital stock, net $841
Net operating income $1,179
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.82%
Cost of funding earning assets 1.09%
Net interest margin 3.73%
Noninterest income to earning assets 0.78%
Noninterest expense to earning assets 3.27%
Net operating income to assets 0.77%
Return on assets (ROA) 0.77%
Pretax return on assets 1.04%
Return on equity (ROE) 6.89%
Retained earnings to average equity (YTD only) 3.85%
Net charge-offs to loans 0.39%
Credit loss provision to net charge-offs 39.24%
Efficiency ratio4.70%
Assets per employee$72,430
Cash dividends to net income (YTD only)3.44%
Condition Ratios (%)
Loss allowance to loans 44.16%
Loss allowance to noncurrent loans 2.28%
Noncurrent assets plus other real estate owned to assets 159.94%
Noncurrent loans to loans 3.79%
Net loans and leases to deposits1.42%
Net loans and leases to core deposits 66.47%
Equity capital to assets 69.03%
Core capital (leverage) ratio 11.25%
Tier 1 risk-based capital ratio 10.89%
Total risk-based capital ratio 16.40%
Memoranda
Average assets$18
Average earning assets$346,758
Average equity $38,746
Average loans $317,850
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12 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01846Fnb BankBroad And Appletree Streets, Scottsboro, AL 35768January 01, 1907Full Service Brick and Mortar
1194453Section Branch4968 Tammy Little Drive, Section, AL 35771December 05, 1966Full Service Brick and Mortar
2194454Woodville Branch29975 Alabama Highway 35, Woodville, AL 35776January 09, 1967Full Service Brick and Mortar
3194455Pisgah Branch2399 County Road 58, Pisgah, AL 35765March 24, 1967Full Service Brick and Mortar
4194456Bridgeport Branch51616 Old Highway 72, Bridgeport, AL 35740August 01, 1969Full Service Brick and Mortar
5194457Five Points Drive-Up Facility701 E. Laurel Street, Scottsboro, AL 35768September 01, 1981Limited Service Facility
615650Henagar BranchState Highway 40, Henagar, AL 35978April 18, 1977Full Service Brick and Mortar
7194458Skyline BranchHighway 79, Skyline, AL 35768November 10, 1986Full Service Brick and Mortar
8194459Jackson Financial Services Branch1003 South Broad Street, Scottsboro, AL 35768March 13, 1989Limited Service Consumer Credit
9194460Jackson Square Branch1535 South Broad Street, Scottsboro, AL 35768October 09, 1989Full Service Brick and Mortar
10194461Jackson Financial Services Branch1410 Gunter Avenue, Guntersville, AL 35976March 18, 1991Limited Service Consumer Credit
11474208Morgan City Branch12214 Union Grove Road, Union Grove, AL 35175January 07, 2008Full Service Brick and Mortar
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