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)
  • Show street view No street view available for this location

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
    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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Marion Bank and Trust Company.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents