First National Bank in Hamilton, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

  • General
  • FDIC Certificate #: 22271
    Status: Active
    Federal Reserve ID: 330239
    Bank Holding Company (Regulatory Top Holder): Marion County Bancshares, Inc. (RSSDID: 1131376, Location: Hamilton, AL)
    Date Established: May 06, 1976
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 12700
    FDIC's unique #: 15483
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 06, 1976
    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: 341 Military Street South, Hamilton, AL 35570
    County: Marion
    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
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $282.3 mil
    Equity capital: $39.2 mil
    Deposits held in domestic offices: $223.1 mil
    Return on assets (ROA): 1.81% ($5.1 mil)
    Quarterly return on assets: 1.47% ($4.1 mil)
    Return on Equity (ROE): 13.88% ($5.4 mil)
    Quarterly return on equity: 10.71% ($4.2 mil)
    Net income: $5.0 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.94% ($5,476.1 mil)
    Quarterly Pretax return on assets: 1.70% ($4,798.7 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
  • 88Total employees (full-time equivalent)
  • $282,275Total assets
  • $17,011Cash and due from depository institutions
  • $2,895Interest-bearing balances
  • $147,770Securities
  • $1,110Federal funds sold & reverse repurchase agreements
  • $105,333Net loans & leases
  • $1,495Loan loss allowance
  • $0Trading account assets
  • $5,669Bank premises and fixed assets
  • $488Other real estate owned
  • $6Goodwill and other intangibles
  • $282,275Life insurance assets
  • $4,888All other assets
  • $243,091Total liabilities and capital
  • $223,129Total liabilities
  • $172,543Total deposits
  • $223,129Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,100Trading liabilities
  • $0Other borrowed funds
  • $862Subordinated debt
  • $39,184All other liabilities
  • $39,184Total equity capital
  • $39,184Total bank equity capital
  • $0Perpetual preferred stock
  • $374Common stock
  • $6,122Surplus
  • $32,688Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $614Income earned, not collected on loans
  • $0Earning assets
  • $1,541Long-term assets (5+ years)
  • $257,108Average Assets, year-to-date
  • $141,128Average Assets, quarterly
  • $277,895Volatile liabilities
  • $283,068Insider loans
  • $149,221FHLB advances
  • $280,448Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,301Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,577Restructured Loans and leases
  • $584Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,337Total interest income
  • $2,013Total interest expense
  • $10,324Net interest income
  • $237Provision for loan and lease losses
  • $2,016Total noninterest income
  • $0Fiduciary activities
  • $1,308Service charges on deposit accounts
  • $0Trading account gains & fees
  • $708Additional noninterest income
  • $7,129Total noninterest expense
  • $4,186Salaries and employee benefits
  • $1,224Premises and equipment expense
  • $1,719Additional noninterest expense
  • $4,974Pre-tax net operating income
  • $431Securities gains (losses)
  • $372Applicable income taxes
  • $5,033Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,033Net income attributable to bank
  • $0Net charge-offs
  • $5,033Cash dividends
  • $384Sale, conversion, retirement of capital stock, net
  • $2,223Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 1.67%Net operating income to assets
  • 1.81%Return on assets (ROA)
  • 1.94%Pretax return on assets
  • 13.88%Return on equity (ROE)
  • 7.75%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 61.72%Credit loss provision to net charge-offs
  • 13.57%Efficiency ratio
  • 57,528Assets per employee
  • 3.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.17%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 243.49%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 47.21%Net loans and leases to core deposits
  • 55.03%Equity capital to assets
  • 13.88%Core capital (leverage) ratio
  • 12.59%Tier 1 risk-based capital ratio
  • 23.66%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $277,895Average earning assets
  • $36,255Average equity
  • $253,003Average loans

List of branches

  • 10 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015483First National Bank341 Military Street South, Hamilton, AL 35570May 06, 1976Full Service Brick and Mortar
    1254305South Branch1171 Military Street South, Hamilton, AL 35570April 06, 1987Full Service Brick and Mortar
    31154Sulligent Branch55220 Highway 17, Sulligent, AL 35586January 01, 1905Full Service Brick and Mortar
    4190056Detroit Branch65367 Highway 17, Detroit, AL 35552January 16, 1967Limited Service Facility
    5254306Lynn Branch340 Long Street, Lynn, AL 35575May 01, 1996Limited Service Facility
    6254307Haleyville Branch1100 20th Street, Haleyville, AL 35565August 01, 1997Full Service Brick and Mortar
    725Bank Of Berry Branch17871 Ushwy 18 E, Berry, AL 35546January 01, 1911Full Service Brick and Mortar
    89848Carbon Hill BranchHighway 78 And Maple Street, Carbon Hill, AL 35549October 04, 1937Full Service Brick and Mortar
    943Parrish BranchFirst Avenue And Main Street, Parrish, AL 35580May 19, 1919Full Service Brick and Mortar
    10180941Double Springs Branch15305 Ushwy 278 West, Double Springs, AL 35553April 15, 1996Full Service Brick and Mortar

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