Keystone Bank in city_name, state_name - Detailed Financial Reports, Location

Keystone Bank in Auburn, Alabama (AL)
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Keystone Bank routing number info

Keystone Bank - Overview

General
FDIC Certificate #: 58382
Status: Active
Federal Reserve ID: 3582552
Date Established: March 02, 2007
WWW: http://www.keystonebank.us
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 449818
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 02, 2007
Last Structure Change Effective Date: March 02, 2007
Last Structure Change Process Date: March 05, 2007
Last Data Update: March 05, 2007
Data Source Date: April 05, 2012
Location
Address: 2394 East University Drive, Auburn, AL 36830
County: Lee
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): Auburn-Opelika, AL (#580)
Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194)
Core Based Statistical Area (CBSA): Auburn-Opelika, AL (#12220)
CBSA Metro Statistical Area: Auburn-Opelika, AL (#12220)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Change in FED-RSSD-ID
New Institution
Financial Summary
Total assets: $198.5 mil
Equity capital: $20.6 mil
Deposits held in domestic offices: $170.8 mil
Return on assets (ROA): 1.04% ($2.1 mil)
Quarterly return on assets: 1.01% ($2.0 mil)
Return on Equity (ROE): 10.66% ($2.2 mil)
Quarterly return on equity: 9.95% ($2.1 mil)
Net income: $2.1 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.50% ($2,976.8 mil)
Quarterly Pretax return on assets: 1.36% ($2,698.9 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
30Total employees (full-time equivalent)
$198,451Total assets
$11,572Cash and due from depository institutions
$9,614Interest-bearing balances
$29,522Securities
$4,000Federal funds sold & reverse repurchase agreements
$138,881Net loans & leases
$2,340Loan loss allowance
$0Trading account assets
$4,737Bank premises and fixed assets
$1,320Other real estate owned
$0Goodwill and other intangibles
$198,451Life insurance assets
$8,419All other assets
$177,889Total liabilities and capital
$170,820Total liabilities
$15,876Total deposits
$170,820Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,500Trading liabilities
$0Other borrowed funds
$569Subordinated debt
$20,562All other liabilities
$20,562Total equity capital
$20,562Total bank equity capital
$0Perpetual preferred stock
$1,809Common stock
$16,552Surplus
$2,201Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,205Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$512Income earned, not collected on loans
$0Earning assets
$725Long-term assets (5+ years)
$182,017Average Assets, year-to-date
$41,012Average Assets, quarterly
$196,350Volatile liabilities
$200,781Insider loans
$156,219FHLB advances
$199,367Loans and leases held for sale
$4,199Unused loan commitments
$2,101Tier 1 (core) risk-based capital
$20,443Tier 2 risk-based capital
$0Total risk weighted assets
$2,098Total unused commitments
$20,196Restructured Loans and leases
$6,784Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,689Total interest income
$2,504Total interest expense
$7,185Net interest income
$793Provision for loan and lease losses
$1,202Total noninterest income
$0Fiduciary activities
$120Service charges on deposit accounts
$0Trading account gains & fees
$1,082Additional noninterest income
$5,067Total noninterest expense
$2,793Salaries and employee benefits
$384Premises and equipment expense
$1,890Additional noninterest expense
$2,527Pre-tax net operating income
$426Securities gains (losses)
$902Applicable income taxes
$2,051Income before extraordinary items
$0Extraordinary gains - net
$2,051Net income attributable to bank
$0Net charge-offs
$2,051Cash dividends
$400Sale, conversion, retirement of capital stock, net
$91Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.42%Yield on earning assets
1.40%Cost of funding earning assets
4.02%Net interest margin
0.67%Noninterest income to earning assets
2.84%Noninterest expense to earning assets
0.89%Net operating income to assets
1.04%Return on assets (ROA)
1.50%Pretax return on assets
10.66%Return on equity (ROE)
10.19%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
198.25%Credit loss provision to net charge-offs
8.30%Efficiency ratio
60,415Assets per employee
6.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
4.44%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
457.03%Noncurrent assets plus other real estate owned to assets
0.92%Noncurrent loans to loans
0.36%Net loans and leases to deposits
81.30%Net loans and leases to core deposits
87.80%Equity capital to assets
10.36%Core capital (leverage) ratio
10.25%Tier 1 risk-based capital ratio
13.09%Total risk-based capital ratio
Memoranda
$14Average assets
$196,350Average earning assets
$19,234Average equity
$178,711Average loans

List of branches

2 Alabama Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	449818	Keystone Bank	2394 East University Drive, Auburn, AL 36830	March 02, 2007	Full Service Brick and Mortar
1	482370	Gadsden Branch	244 South 3rd Street, Gadsden, AL 35901	October 01, 2007	Full Service Brick and Mortar

Keystone Bank in Auburn, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Keystone 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:

Keystone Bank in Auburn, Alabama (AL)Overview, Financial Summary, Detailed Financial Reports, Branches

Keystone 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:

Keystone Bank in Auburn, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches