First National Bank of Central Alabama in Aliceville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Central Alabama - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 64Total employees (full-time equivalent)
  • $248,507Total assets
  • $20,420Cash and due from depository institutions
  • $18,313Interest-bearing balances
  • $65,570Securities
  • $4,775Federal funds sold & reverse repurchase agreements
  • $137,474Net loans & leases
  • $2,433Loan loss allowance
  • $0Trading account assets
  • $8,111Bank premises and fixed assets
  • $1,364Other real estate owned
  • $0Goodwill and other intangibles
  • $248,507Life insurance assets
  • $10,793All other assets
  • $223,804Total liabilities and capital
  • $209,730Total liabilities
  • $173,368Total deposits
  • $209,730Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,775Trading liabilities
  • $0Other borrowed funds
  • $1,299Subordinated debt
  • $24,703All other liabilities
  • $24,703Total equity capital
  • $24,703Total bank equity capital
  • $0Perpetual preferred stock
  • $490Common stock
  • $4,496Surplus
  • $19,717Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $228Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,254Income earned, not collected on loans
  • $0Earning assets
  • $645Long-term assets (5+ years)
  • $226,132Average Assets, year-to-date
  • $66,607Average Assets, quarterly
  • $250,421Volatile liabilities
  • $248,118Insider loans
  • $147,630FHLB advances
  • $242,630Loans and leases held for sale
  • $6,996Unused loan commitments
  • $142Tier 1 (core) risk-based capital
  • $23,443Tier 2 risk-based capital
  • $2,186Total risk weighted assets
  • $4,668Total unused commitments
  • $27,252Restructured Loans and leases
  • $1,046Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,270Total interest income
  • $2,637Total interest expense
  • $7,633Net interest income
  • $992Provision for loan and lease losses
  • $1,446Total noninterest income
  • $0Fiduciary activities
  • $1,032Service charges on deposit accounts
  • $0Trading account gains & fees
  • $414Additional noninterest income
  • $7,267Total noninterest expense
  • $3,558Salaries and employee benefits
  • $1,134Premises and equipment expense
  • $2,575Additional noninterest expense
  • $820Pre-tax net operating income
  • $16Securities gains (losses)
  • $153Applicable income taxes
  • $683Income before extraordinary items
  • $0Extraordinary gains - net
  • $683Net income attributable to bank
  • $0Net charge-offs
  • $683Cash dividends
  • $1,452Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.37%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.33%Pretax return on assets
  • 2.88%Return on equity (ROE)
  • 2.88%Retained earnings to average equity (YTD only)
  • 0.99%Net charge-offs to loans
  • 68.32%Credit loss provision to net charge-offs
  • 1.25%Efficiency ratio
  • 80,042Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 74.77%Noncurrent assets plus other real estate owned to assets
  • 1.86%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 65.55%Net loans and leases to core deposits
  • 70.96%Equity capital to assets
  • 9.94%Core capital (leverage) ratio
  • 9.66%Tier 1 risk-based capital ratio
  • 15.88%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $250,421Average earning assets
  • $23,707Average equity
  • $226,569Average loans

List of branches

  • 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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