The Camden National Bank in Camden, Alabama (AL)



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The Camden National Bank routing number info

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The Camden National Bank
GeneralFDIC Certificate #: 2787
Status: Active
Federal Reserve ID: 466932
Bank Holding Company (Regulatory Top Holder): First Camden Bancshares, Inc. (RSSDID: 1836475, Location: Camden, AL)
Date Established: April 01, 1906
WWW: http://www.camdennationalbank.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 12388
FDIC's unique #: 1818
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
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: 3 Water Street, Camden, AL 36726
County: Wilcox
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: $111.8 mil
Equity capital: $14.1 mil
Deposits held in domestic offices: $95.0 mil
Return on assets (ROA): 0.93% ($1.0 mil)
Quarterly return on assets: 0.97% ($1.1 mil)
Return on Equity (ROE): 7.58% ($1.1 mil)
Quarterly return on equity: 7.67% ($1.1 mil)
Net income: $1.1 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.42% ($1,587.2 mil)
Quarterly Pretax return on assets: 1.52% ($1,699.0 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)38
Total assets$111,778
Cash and due from depository institutions$24,181
Interest-bearing balances$18,089
Securities$13,839
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$68,963
Loan loss allowance $1,045
Trading account assets$0
Bank premises and fixed assets$2,267
Other real estate owned$234
Goodwill and other intangibles$0
All other assets$2,294
Life insurance assets$111,778
Total liabilities and capital$97,631
Total liabilities$94,968
Total deposits$76,494
Interest-bearing deposits$94,968
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,533
Other borrowed funds $0
Subordinated debt $130
All other liabilities $14,147
Total equity capital$14,147
Total bank equity capital$14,147
Perpetual preferred stock$0
Common stock$200
Surplus$225
Undivided profits $13,722
Memoranda
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 $1,098
Earning assets $0
Long-term assets (5+ years) $833
Average Assets, year-to-date $100,891
Average Assets, quarterly $20,087
Volatile liabilities $113,497
Insider loans $112,425
FHLB advances $68,471
Loans and leases held for sale $112,177
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,007
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,782
Derivatives$746
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,731
Total interest expense $1,033
Net interest income $4,698
Provision for loan and lease losses $200
Total noninterest income $673
Fiduciary activities $0
Service charges on deposit accounts $480
Trading account gains & fees $0
Additional noninterest income $193
Total noninterest expense $3,559
Salaries and employee benefits $1,914
Premises and equipment expense $298
Additional noninterest expense $1,347
Pre-tax net operating income $1,612
Securities gains (losses) $0
Applicable income taxes $559
Income before extraordinary items $1,053
Extraordinary gains - net $0
Net income attributable to bank $1,053
Net charge-offs $0
Cash dividends $1,053
Sale, conversion, retirement of capital stock, net $512
Net operating income $450
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.69%
Cost of funding earning assets 1.02%
Net interest margin 4.66%
Noninterest income to earning assets 0.67%
Noninterest expense to earning assets 3.53%
Net operating income to assets 0.93%
Return on assets (ROA) 0.93%
Pretax return on assets 1.42%
Return on equity (ROE) 7.58%
Retained earnings to average equity (YTD only) 4.34%
Net charge-offs to loans 0.71%
Credit loss provision to net charge-offs 39.06%
Efficiency ratio3.54%
Assets per employee$66,263
Cash dividends to net income (YTD only)2.94%
Condition Ratios (%)
Loss allowance to loans 42.74%
Loss allowance to noncurrent loans 1.49%
Noncurrent assets plus other real estate owned to assets 95.17%
Noncurrent loans to loans 1.19%
Net loans and leases to deposits1.57%
Net loans and leases to core deposits 72.62%
Equity capital to assets 75.01%
Core capital (leverage) ratio 12.66%
Tier 1 risk-based capital ratio 12.49%
Total risk-based capital ratio 20.46%
Memoranda
Average assets$22
Average earning assets$113,497
Average equity $13,885
Average loans $100,799
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2 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01818The Camden National Bank3 Water Street, Camden, AL 36726April 01, 1906Full Service Brick and Mortar
1441857Butler Ccunty Bank Branch281 Greenville Bypass, Greenville, AL 36037March 13, 2004Full Service Brick and Mortar
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