First National Bank in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Hamilton, Alabama (AL)
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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
WWW: http://www.fnbhamilton.com
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

No	ID	Name	Address	Established	Service Type
0	15483	First National Bank	341 Military Street South, Hamilton, AL 35570	May 06, 1976	Full Service Brick and Mortar
1	254305	South Branch	1171 Military Street South, Hamilton, AL 35570	April 06, 1987	Full Service Brick and Mortar
3	1154	Sulligent Branch	55220 Highway 17, Sulligent, AL 35586	January 01, 1905	Full Service Brick and Mortar
4	190056	Detroit Branch	65367 Highway 17, Detroit, AL 35552	January 16, 1967	Limited Service Facility
5	254306	Lynn Branch	340 Long Street, Lynn, AL 35575	May 01, 1996	Limited Service Facility
6	254307	Haleyville Branch	1100 20th Street, Haleyville, AL 35565	August 01, 1997	Full Service Brick and Mortar
7	25	Bank Of Berry Branch	17871 Ushwy 18 E, Berry, AL 35546	January 01, 1911	Full Service Brick and Mortar
8	9848	Carbon Hill Branch	Highway 78 And Maple Street, Carbon Hill, AL 35549	October 04, 1937	Full Service Brick and Mortar
9	43	Parrish Branch	First Avenue And Main Street, Parrish, AL 35580	May 19, 1919	Full Service Brick and Mortar
10	180941	Double Springs Branch	15305 Ushwy 278 West, Double Springs, AL 35553	April 15, 1996	Full Service Brick and Mortar

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

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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