Fort Rucker National Bank in Fort Rucker, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 1994

  • Fort Rucker National Bank in Fort Rucker, Alabama (AL)
  • Show street view No street view available for this location

Fort Rucker National Bank - Overview

  • General
  • FDIC Certificate #: 19833
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Community Bank and Trust of Southeast Alabama (#19649)
    Federal Reserve ID: 313531
    Date Established: July 01, 1968
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 13626
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: July 01, 1968
    Last Structure Change Effective Date: November 01, 1994
    Last Structure Change Process Date: December 15, 1994
    Last Data Update: April 11, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: Red Cloud Road And Fifth Avenue, Fort Rucker, AL 36360
    County: Dale
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Dothan, AL (#2180)
    Combined Statistical Area (CSA): Dothan-Enterprise-Ozark, AL (#222)
    Core Based Statistical Area (CBSA): Enterprise-Ozark, AL (#21460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $47.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $41Total assets
  • $45,355Cash and due from depository institutions
  • $2,439Interest-bearing balances
  • $0Securities
  • $8,062Federal funds sold & reverse repurchase agreements
  • $95Net loans & leases
  • $31,699Loan loss allowance
  • $584Trading account assets
  • $0Bank premises and fixed assets
  • $1,549Other real estate owned
  • $0Goodwill and other intangibles
  • $471Life insurance assets
  • $1,040All other assets
  • $0Total liabilities and capital
  • $45,355Total liabilities
  • $39,589Total deposits
  • $39,309Interest-bearing deposits
  • $28,994Deposits held in domestic offices
  • 39309.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $280Total equity capital
  • $280Total bank equity capital
  • $5,766Perpetual preferred stock
  • $0Common stock
  • $460Surplus
  • $3,096Undivided profits
  • Memoranda
  • $2,210Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $578Income earned, not collected on loans
  • $269Earning assets
  • $39,856Long-term assets (5+ years)
  • $4,322Average Assets, year-to-date
  • $44,583Average Assets, quarterly
  • $44,508Volatile liabilities
  • $2,687Insider loans
  • $1,511FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,586Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,410Total risk weighted assets
  • $35,380Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,218Total interest expense
  • $1,049Net interest income
  • $2,169Provision for loan and lease losses
  • $240Total noninterest income
  • $770Fiduciary activities
  • $0Service charges on deposit accounts
  • $693Trading account gains & fees
  • $0Additional noninterest income
  • $77Total noninterest expense
  • $2,339Salaries and employee benefits
  • $1,094Premises and equipment expense
  • $281Additional noninterest expense
  • $964Pre-tax net operating income
  • $360Securities gains (losses)
  • $1Applicable income taxes
  • $183Income before extraordinary items
  • $178Extraordinary gains - net
  • $29Net income attributable to bank
  • $207Net charge-offs
  • $128Cash dividends
  • $50Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.33%Cost of funding earning assets
  • 2.72%Net interest margin
  • 5.62%Noninterest income to earning assets
  • 1.99%Noninterest expense to earning assets
  • 6.06%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.46%Pretax return on assets
  • 0.87%Return on equity (ROE)
  • 3.80%Retained earnings to average equity (YTD only)
  • 2.89%Net charge-offs to loans
  • 0.42%Credit loss provision to net charge-offs
  • 187.50%Efficiency ratio
  • 75,502Assets per employee
  • 1.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.15%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 101.04%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 1.79%Net loans and leases to deposits
  • 80.64%Net loans and leases to core deposits
  • 86.56%Equity capital to assets
  • 12.71%Core capital (leverage) ratio
  • 10.00%Tier 1 risk-based capital ratio
  • 12.46%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $44,583Average earning assets
  • $5,442Average equity
  • $38,627Average loans

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