FNB Bank in Scottsboro, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

FNB Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 103Total employees (full-time equivalent)
  • $354,098Total assets
  • $27,136Cash and due from depository institutions
  • $23,748Interest-bearing balances
  • $91,454Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $207,742Net loans & leases
  • $4,843Loan loss allowance
  • $0Trading account assets
  • $4,608Bank premises and fixed assets
  • $10,390Other real estate owned
  • $0Goodwill and other intangibles
  • $354,098Life insurance assets
  • $12,768All other assets
  • $314,254Total liabilities and capital
  • $312,529Total liabilities
  • $253,560Total deposits
  • $312,529Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,725Subordinated debt
  • $39,844All other liabilities
  • $39,844Total equity capital
  • $39,844Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,515Surplus
  • $37,829Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,028Income earned, not collected on loans
  • $0Earning assets
  • $1,577Long-term assets (5+ years)
  • $322,944Average Assets, year-to-date
  • $107,403Average Assets, quarterly
  • $346,758Volatile liabilities
  • $355,938Insider loans
  • $236,101FHLB advances
  • $355,671Loans and leases held for sale
  • $4,014Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $38,719Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,014Total unused commitments
  • $25,929Restructured Loans and leases
  • $5,111Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,333Total interest income
  • $3,464Total interest expense
  • $11,869Net interest income
  • $330Provision for loan and lease losses
  • $2,469Total noninterest income
  • $0Fiduciary activities
  • $2,171Service charges on deposit accounts
  • $0Trading account gains & fees
  • $298Additional noninterest income
  • $10,385Total noninterest expense
  • $4,880Salaries and employee benefits
  • $1,223Premises and equipment expense
  • $4,282Additional noninterest expense
  • $3,623Pre-tax net operating income
  • $0Securities gains (losses)
  • $953Applicable income taxes
  • $2,670Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,670Net income attributable to bank
  • $0Net charge-offs
  • $2,670Cash dividends
  • $841Sale, conversion, retirement of capital stock, net
  • $1,179Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 6.89%Return on equity (ROE)
  • 3.85%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 39.24%Credit loss provision to net charge-offs
  • 4.70%Efficiency ratio
  • 72,430Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.16%Loss allowance to loans
  • 2.28%Loss allowance to noncurrent loans
  • 159.94%Noncurrent assets plus other real estate owned to assets
  • 3.79%Noncurrent loans to loans
  • 1.42%Net loans and leases to deposits
  • 66.47%Net loans and leases to core deposits
  • 69.03%Equity capital to assets
  • 11.25%Core capital (leverage) ratio
  • 10.89%Tier 1 risk-based capital ratio
  • 16.40%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $346,758Average earning assets
  • $38,746Average equity
  • $317,850Average loans

List of branches

  • 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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