Marion Bank and Trust Company in Marion, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Marion Bank and Trust Company in Marion, Alabama (AL)
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Marion Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 14184
    Status: Active
    Federal Reserve ID: 449832
    Bank Holding Company (Regulatory Top Holder): Marion Bancshares, Inc. (RSSDID: 1248023, Location: Marion, AL)
    Date Established: March 17, 1934
    WWW: http://www.marion-bank.com
    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 #: 8856
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 02, 1934
    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: 332 South Washington Street, Marion, AL 36756
    County: Perry
    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: $256.8 mil
    Equity capital: $25.3 mil
    Deposits held in domestic offices: $217.0 mil
    Return on assets (ROA): 1.16% ($3.0 mil)
    Quarterly return on assets: 0.85% ($2.2 mil)
    Return on Equity (ROE): 12.30% ($3.1 mil)
    Quarterly return on equity: 8.59% ($2.1 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.33% ($3,414.9 mil)
    Quarterly Pretax return on assets: 0.94% ($2,413.5 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
  • 44Total employees (full-time equivalent)
  • $256,758Total assets
  • $4,691Cash and due from depository institutions
  • $829Interest-bearing balances
  • $76,978Securities
  • $11,900Federal funds sold & reverse repurchase agreements
  • $154,881Net loans & leases
  • $868Loan loss allowance
  • $0Trading account assets
  • $2,059Bank premises and fixed assets
  • $2,310Other real estate owned
  • $0Goodwill and other intangibles
  • $256,758Life insurance assets
  • $3,939All other assets
  • $231,503Total liabilities and capital
  • $217,032Total liabilities
  • $194,999Total deposits
  • $217,032Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,400Trading liabilities
  • $0Other borrowed funds
  • $1,071Subordinated debt
  • $25,255All other liabilities
  • $25,255Total equity capital
  • $25,255Total bank equity capital
  • $0Perpetual preferred stock
  • $133Common stock
  • $1,532Surplus
  • $23,590Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $579Income earned, not collected on loans
  • $0Earning assets
  • $2,355Long-term assets (5+ years)
  • $244,588Average Assets, year-to-date
  • $115,122Average Assets, quarterly
  • $244,452Volatile liabilities
  • $254,327Insider loans
  • $178,789FHLB advances
  • $249,448Loans and leases held for sale
  • $197Unused loan commitments
  • $197Tier 1 (core) risk-based capital
  • $22,977Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,343Restructured Loans and leases
  • $2,370Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,805Total interest income
  • $4,576Total interest expense
  • $8,229Net interest income
  • $650Provision for loan and lease losses
  • $495Total noninterest income
  • $0Fiduciary activities
  • $403Service charges on deposit accounts
  • $0Trading account gains & fees
  • $92Additional noninterest income
  • $4,828Total noninterest expense
  • $2,786Salaries and employee benefits
  • $421Premises and equipment expense
  • $1,621Additional noninterest expense
  • $3,246Pre-tax net operating income
  • $5Securities gains (losses)
  • $424Applicable income taxes
  • $2,827Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,827Net income attributable to bank
  • $0Net charge-offs
  • $2,827Cash dividends
  • $504Sale, conversion, retirement of capital stock, net
  • $1,285Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.97%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.08%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 12.30%Return on equity (ROE)
  • 6.71%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 128.97%Credit loss provision to net charge-offs
  • 7.73%Efficiency ratio
  • 55,342Assets per employee
  • 5.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.45%Loss allowance to loans
  • 0.56%Loss allowance to noncurrent loans
  • 149.91%Noncurrent assets plus other real estate owned to assets
  • 1.13%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 71.36%Net loans and leases to core deposits
  • 76.77%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 9.21%Tier 1 risk-based capital ratio
  • 12.85%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $244,452Average earning assets
  • $22,989Average equity
  • $232,210Average loans

List of branches

  • 2 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08856Marion Bank And Trust Company332 South Washington Street, Marion, AL 36756March 17, 1934Full Service Brick and Mortar
    1478816Marion Bank And Trust Company-Selma2400 Hwy 80 West, Selma, AL 36701June 30, 2008Full Service Brick and Mortar

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