Robertson Banking Company in Demopolis, Alabama (AL)

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Robertson Banking Company routing number info

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Robertson Banking Company
GeneralFDIC Certificate #: 39
Status: Active
Federal Reserve ID: 430036
Bank Holding Company (Regulatory Top Holder): Rbc, Inc. (RSSDID: 2526755, Location: Demopolis, AL)
Date Established: January 01, 1870
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 #: 14095
FDIC's unique #: 21
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
LocationAddress: 216 North Walnut Avenue, Demopolis, AL 36732
County: Marengo
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $259.6 mil
Equity capital: $25.2 mil
Deposits held in domestic offices: $219.4 mil
Return on assets (ROA): 1.42% ($3.7 mil)
Quarterly return on assets: 1.26% ($3.3 mil)
Return on Equity (ROE): 14.08% ($3.5 mil)
Quarterly return on equity: 12.39% ($3.1 mil)
Net income: $3.5 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.50% ($3,894.3 mil)
Quarterly Pretax return on assets: 1.33% ($3,452.9 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)
Total employees (full-time equivalent)72
Total assets$259,619
Cash and due from depository institutions$19,493
Interest-bearing balances$6,310
Federal funds sold & reverse repurchase agreements$10,260
Net loans & leases$180,799
Loan loss allowance $3,403
Trading account assets$0
Bank premises and fixed assets$4,149
Other real estate owned$100
Goodwill and other intangibles$155
All other assets$4,891
Life insurance assets$259,619
Total liabilities and capital$234,455
Total liabilities$219,427
Total deposits$182,414
Interest-bearing deposits$219,427
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$14,000
Other borrowed funds $0
Subordinated debt $1,028
All other liabilities $25,164
Total equity capital$25,164
Total bank equity capital$25,164
Perpetual preferred stock$0
Common stock$335
Undivided profits $22,351
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,174
Earning assets $0
Long-term assets (5+ years) $1,554
Average Assets, year-to-date $237,141
Average Assets, quarterly $17,884
Volatile liabilities $245,189
Insider loans $250,964
FHLB advances $186,363
Loans and leases held for sale $248,130
Unused loan commitments $543
Tier 1 (core) risk-based capital $543
Tier 2 risk-based capital $24,204
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $36,131
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,626
Total interest expense $2,757
Net interest income $8,869
Provision for loan and lease losses $325
Total noninterest income $1,998
Fiduciary activities $148
Service charges on deposit accounts $1,405
Trading account gains & fees $0
Additional noninterest income $445
Total noninterest expense $6,820
Salaries and employee benefits $4,023
Premises and equipment expense $816
Additional noninterest expense $1,981
Pre-tax net operating income $3,722
Securities gains (losses) -$32
Applicable income taxes $210
Income before extraordinary items $3,480
Extraordinary gains - net $0
Net income attributable to bank $3,480
Net charge-offs $0
Cash dividends $3,480
Sale, conversion, retirement of capital stock, net -$294
Net operating income $2,596
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.37%
Cost of funding earning assets 1.27%
Net interest margin 4.10%
Noninterest income to earning assets 0.92%
Noninterest expense to earning assets 3.15%
Net operating income to assets 1.43%
Return on assets (ROA) 1.42%
Pretax return on assets 1.50%
Return on equity (ROE) 14.08%
Retained earnings to average equity (YTD only) 3.58%
Net charge-offs to loans -0.17%
Credit loss provision to net charge-offs -110.54%
Efficiency ratio0.00%
Assets per employee$62,059
Cash dividends to net income (YTD only)3.61%
Condition Ratios (%)
Loss allowance to loans 74.60%
Loss allowance to noncurrent loans 1.85%
Noncurrent assets plus other real estate owned to assets 156.53%
Noncurrent loans to loans 0.88%
Net loans and leases to deposits1.18%
Net loans and leases to core deposits 82.40%
Equity capital to assets 91.83%
Core capital (leverage) ratio 9.69%
Tier 1 risk-based capital ratio 9.75%
Total risk-based capital ratio 12.99%
Average assets$14
Average earning assets$245,189
Average equity $24,717
Average loans $216,344
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$23,108
Number of Accounts1
Personal trust and agency accounts$14,905
Employee benefit-defined contribution accounts$14,590
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$315
Number of Accounts62
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$8,203
Corporate trust and agency accounts$223
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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5 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
021Robertson Banking Company216 North Walnut Avenue, Demopolis, AL 36732January 01, 1870Full Service Brick and Mortar
2180895Westside Branch1206 Highway 80 West, Demopolis, AL 36732November 21, 1994Full Service Brick and Mortar
38456Thomaston Branch216 West Second, Thomaston, AL 36783May 12, 1914Full Service Brick and Mortar
4229637Linden Branch209 East Coats Avenue, Linden, AL 36748April 07, 1997Full Service Brick and Mortar
5483412Tuscaloosa Branch1400 Greensboro Avenue, Tuscaloosa, AL 35401December 01, 2008Full Service Brick and Mortar
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