First National Bank of Central Alabama in Aliceville, Alabama (AL)



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First National Bank of Central Alabama routing number info

Table of contents:
First National Bank of Central Alabama
GeneralFDIC Certificate #: 19468
Status: Active
Federal Reserve ID: 739430
Bank Holding Company (Regulatory Top Holder): First National Bancshares Of Central Alabama, Inc. (RSSDID: 1086476, Location: Aliceville, AL)
Date Established: August 02, 1965
WWW: http://www.fnbca.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: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 13831
FDIC's unique #: 13269
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 02, 1965
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: 25 Third Street, N. E., Aliceville, AL 35442
County: Pickens
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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $248.5 mil
Equity capital: $24.7 mil
Deposits held in domestic offices: $209.7 mil
Return on assets (ROA): 0.27% ($0.7 mil)
Quarterly return on assets: 0.44% ($1.1 mil)
Return on Equity (ROE): 2.88% ($0.7 mil)
Quarterly return on equity: 4.43% ($1.1 mil)
Net income: $0.7 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.33% ($820.1 mil)
Quarterly Pretax return on assets: 0.57% ($1,416.5 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)64
Total assets$248,507
Cash and due from depository institutions$20,420
Interest-bearing balances$18,313
Securities$65,570
Federal funds sold & reverse repurchase agreements$4,775
Net loans & leases$137,474
Loan loss allowance $2,433
Trading account assets$0
Bank premises and fixed assets$8,111
Other real estate owned$1,364
Goodwill and other intangibles$0
All other assets$10,793
Life insurance assets$248,507
Total liabilities and capital$223,804
Total liabilities$209,730
Total deposits$173,368
Interest-bearing deposits$209,730
Deposits held in domestic offices$83
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$12,775
Other borrowed funds $0
Subordinated debt $1,299
All other liabilities $24,703
Total equity capital$24,703
Total bank equity capital$24,703
Perpetual preferred stock$0
Common stock$490
Surplus$4,496
Undivided profits $19,717
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $228
Income earned, not collected on loans $3,254
Earning assets $0
Long-term assets (5+ years) $645
Average Assets, year-to-date $226,132
Average Assets, quarterly $66,607
Volatile liabilities $250,421
Insider loans $248,118
FHLB advances $147,630
Loans and leases held for sale $242,630
Unused loan commitments $6,996
Tier 1 (core) risk-based capital $142
Tier 2 risk-based capital $23,443
Total risk weighted assets $2,186
Total unused commitments $4,668
Restructured Loans and leases $27,252
Derivatives$1,046
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,270
Total interest expense $2,637
Net interest income $7,633
Provision for loan and lease losses $992
Total noninterest income $1,446
Fiduciary activities $0
Service charges on deposit accounts $1,032
Trading account gains & fees $0
Additional noninterest income $414
Total noninterest expense $7,267
Salaries and employee benefits $3,558
Premises and equipment expense $1,134
Additional noninterest expense $2,575
Pre-tax net operating income $820
Securities gains (losses) $16
Applicable income taxes $153
Income before extraordinary items $683
Extraordinary gains - net $0
Net income attributable to bank $683
Net charge-offs $0
Cash dividends $683
Sale, conversion, retirement of capital stock, net $1,452
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 assets4.53%
Cost of funding earning assets 1.16%
Net interest margin 3.37%
Noninterest income to earning assets 0.64%
Noninterest expense to earning assets 3.21%
Net operating income to assets 0.27%
Return on assets (ROA) 0.27%
Pretax return on assets 0.33%
Return on equity (ROE) 2.88%
Retained earnings to average equity (YTD only) 2.88%
Net charge-offs to loans 0.99%
Credit loss provision to net charge-offs 68.32%
Efficiency ratio1.25%
Assets per employee$80,042
Cash dividends to net income (YTD only)3.88%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.74%
Noncurrent assets plus other real estate owned to assets 74.77%
Noncurrent loans to loans 1.86%
Net loans and leases to deposits2.33%
Net loans and leases to core deposits 65.55%
Equity capital to assets 70.96%
Core capital (leverage) ratio 9.94%
Tier 1 risk-based capital ratio 9.66%
Total risk-based capital ratio 15.88%
Memoranda
Average assets$17
Average earning assets$250,421
Average equity $23,707
Average loans $226,569
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5 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
013269First National Bank Of Central Alaba25 Third Street, N. E., Aliceville, AL 35442August 02, 1965Full Service Brick and Mortar
19060Gordo Branch106 Second Avenue Northwest, Gordo, AL 35466June 23, 1934Full Service Brick and Mortar
2248442Carrollton BranchElliott Street And Highway 17, Carrollton, AL 35447July 23, 1990Full Service Brick and Mortar
4248444Northport Branch54 Mcfarland Boulevard, Northport, AL 35476September 11, 1995Full Service Brick and Mortar
5448913First National Bank Of Central Al/Br2323 Paul W Bryant Drive, Tuscaloosa, AL 35403Febuary 14, 2006Full Service Brick and Mortar
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