Phenix-Girard Bank in Phenix City, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Phenix-Girard Bank in Phenix City, Alabama (AL)
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Phenix-Girard Bank - Overview

  • General
  • FDIC Certificate #: 41
    Status: Active
    Federal Reserve ID: 432432
    Bank Holding Company (Regulatory Top Holder): Phenix-Girard Bancshares, Inc. (RSSDID: 2013246, Location: Phenix City, AL)
    Date Established: May 04, 1904
    WWW: http://www.phenix-girard.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 14012
    FDIC's unique #: 23
    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: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 8th Avenue And 13th Street, Phenix City, AL 36867
    County: Russell
    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): Columbus, GA-AL (#1800)
    Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194)
    Core Based Statistical Area (CBSA): Columbus, GA-AL (#17980)
    CBSA Metro Statistical Area: Columbus, GA-AL (#17980)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $150.4 mil
    Equity capital: $24.6 mil
    Deposits held in domestic offices: $109.4 mil
    Return on assets (ROA): 1.53% ($2.3 mil)
    Quarterly return on assets: 0.73% ($1.1 mil)
    Return on Equity (ROE): 9.82% ($2.5 mil)
    Quarterly return on equity: 4.60% ($1.1 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.63% ($2,450.8 mil)
    Quarterly Pretax return on assets: 0.78% ($1,172.8 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
  • 46Total employees (full-time equivalent)
  • $150,353Total assets
  • $14,547Cash and due from depository institutions
  • $12,604Interest-bearing balances
  • $49,097Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,006Net loans & leases
  • $1,412Loan loss allowance
  • $0Trading account assets
  • $2,481Bank premises and fixed assets
  • $4,988Other real estate owned
  • $0Goodwill and other intangibles
  • $150,353Life insurance assets
  • $8,234All other assets
  • $125,781Total liabilities and capital
  • $109,378Total liabilities
  • $84,006Total deposits
  • $109,378Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,500Trading liabilities
  • $0Other borrowed funds
  • $2,903Subordinated debt
  • $24,572All other liabilities
  • $24,572Total equity capital
  • $24,572Total bank equity capital
  • $0Perpetual preferred stock
  • $1,250Common stock
  • $1,250Surplus
  • $22,072Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,578Income earned, not collected on loans
  • $0Earning assets
  • $788Long-term assets (5+ years)
  • $132,707Average Assets, year-to-date
  • $47,992Average Assets, quarterly
  • $157,562Volatile liabilities
  • $159,108Insider loans
  • $94,728FHLB advances
  • $165,446Loans and leases held for sale
  • $5,052Unused loan commitments
  • $3,195Tier 1 (core) risk-based capital
  • $23,794Tier 2 risk-based capital
  • $1,857Total risk weighted assets
  • $0Total unused commitments
  • $3,260Restructured Loans and leases
  • $251Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,637Total interest income
  • $955Total interest expense
  • $5,682Net interest income
  • $230Provision for loan and lease losses
  • $1,974Total noninterest income
  • $0Fiduciary activities
  • $1,152Service charges on deposit accounts
  • $0Trading account gains & fees
  • $822Additional noninterest income
  • $5,281Total noninterest expense
  • $3,048Salaries and employee benefits
  • $362Premises and equipment expense
  • $1,871Additional noninterest expense
  • $2,145Pre-tax net operating income
  • $416Securities gains (losses)
  • $149Applicable income taxes
  • $2,412Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,412Net income attributable to bank
  • $0Net charge-offs
  • $2,412Cash dividends
  • $103Sale, conversion, retirement of capital stock, net
  • $3,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 4.12%Net interest margin
  • 1.43%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 1.63%Pretax return on assets
  • 9.82%Return on equity (ROE)
  • -2.39%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 223.30%Credit loss provision to net charge-offs
  • 23.06%Efficiency ratio
  • 68,979Assets per employee
  • 3.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 124.38%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 39.46%Noncurrent assets plus other real estate owned to assets
  • 5.70%Noncurrent loans to loans
  • 4.94%Net loans and leases to deposits
  • 64.92%Net loans and leases to core deposits
  • 67.70%Equity capital to assets
  • 16.34%Core capital (leverage) ratio
  • 14.38%Tier 1 risk-based capital ratio
  • 25.12%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $157,562Average earning assets
  • $24,569Average equity
  • $137,976Average loans

Total Fiduciary and Related Assets (December 31, 2008)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $465Managed Assets
  • 1Number of Accounts
  • $465Personal trust and agency accounts
  • $465Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    023Phenix-Girard Bank8th Avenue And 13th Street, Phenix City, AL 36867May 04, 1904Full Service Brick and Mortar
    2180897Phenix Park BranchU.S. Highway 280 By-Pass & 23rd Ave., Phenix City, AL 36867June 14, 1974Limited Service Facility
    3180898Stadium Drive Branch1803 Stadium Drive, Phenix City, AL 36867April 28, 1988Full Service Brick and Mortar
    4180899Highway 280 Branch3650 Highway 280/431, Phenix City, AL 36867March 08, 1999Full Service Brick and Mortar
    5419878Smith Station Branch2481 Lee Road 430, Smiths, AL 36877March 10, 2003Full Service Brick and Mortar

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