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

  • Keystone Bank in Auburn, Alabama (AL)
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Keystone Bank - Overview

  • General
  • FDIC Certificate #: 58382
    Status: Active
    Federal Reserve ID: 3582552
    Date Established: March 02, 2007
    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
  • NoIDNameAddressEstablishedService TypeMap
    0449818Keystone Bank2394 East University Drive, Auburn, AL 36830March 02, 2007Full Service Brick and Mortar
    1482370Gadsden Branch244 South 3rd Street, Gadsden, AL 35901October 01, 2007Full Service Brick and Mortar

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