Robertson Banking Company in Demopolis, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Robertson Banking Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 72Total employees (full-time equivalent)
  • $259,619Total assets
  • $19,493Cash and due from depository institutions
  • $6,310Interest-bearing balances
  • $39,772Securities
  • $10,260Federal funds sold & reverse repurchase agreements
  • $180,799Net loans & leases
  • $3,403Loan loss allowance
  • $0Trading account assets
  • $4,149Bank premises and fixed assets
  • $100Other real estate owned
  • $155Goodwill and other intangibles
  • $259,619Life insurance assets
  • $4,891All other assets
  • $234,455Total liabilities and capital
  • $219,427Total liabilities
  • $182,414Total deposits
  • $219,427Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,000Trading liabilities
  • $0Other borrowed funds
  • $1,028Subordinated debt
  • $25,164All other liabilities
  • $25,164Total equity capital
  • $25,164Total bank equity capital
  • $0Perpetual preferred stock
  • $335Common stock
  • $2,478Surplus
  • $22,351Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,174Income earned, not collected on loans
  • $0Earning assets
  • $1,554Long-term assets (5+ years)
  • $237,141Average Assets, year-to-date
  • $17,884Average Assets, quarterly
  • $245,189Volatile liabilities
  • $250,964Insider loans
  • $186,363FHLB advances
  • $248,130Loans and leases held for sale
  • $543Unused loan commitments
  • $543Tier 1 (core) risk-based capital
  • $24,204Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $36,131Restructured Loans and leases
  • $3,320Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,626Total interest income
  • $2,757Total interest expense
  • $8,869Net interest income
  • $325Provision for loan and lease losses
  • $1,998Total noninterest income
  • $148Fiduciary activities
  • $1,405Service charges on deposit accounts
  • $0Trading account gains & fees
  • $445Additional noninterest income
  • $6,820Total noninterest expense
  • $4,023Salaries and employee benefits
  • $816Premises and equipment expense
  • $1,981Additional noninterest expense
  • $3,722Pre-tax net operating income
  • -$32Securities gains (losses)
  • $210Applicable income taxes
  • $3,480Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,480Net income attributable to bank
  • $0Net charge-offs
  • $3,480Cash dividends
  • -$294Sale, conversion, retirement of capital stock, net
  • $2,596Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 14.08%Return on equity (ROE)
  • 3.58%Retained earnings to average equity (YTD only)
  • -0.17%Net charge-offs to loans
  • -110.54%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 62,059Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.60%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 156.53%Noncurrent assets plus other real estate owned to assets
  • 0.88%Noncurrent loans to loans
  • 1.18%Net loans and leases to deposits
  • 82.40%Net loans and leases to core deposits
  • 91.83%Equity capital to assets
  • 9.69%Core capital (leverage) ratio
  • 9.75%Tier 1 risk-based capital ratio
  • 12.99%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $245,189Average earning assets
  • $24,717Average equity
  • $216,344Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $23,108Managed Assets
  • 1Number of Accounts
  • $14,905Personal trust and agency accounts
  • $14,590Employee 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
  • $315Non-managed Assets
  • 62Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,203Other retirement accounts
  • $223Corporate 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
    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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