The Camden National Bank in Camden, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Camden National Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 38Total employees (full-time equivalent)
  • $111,778Total assets
  • $24,181Cash and due from depository institutions
  • $18,089Interest-bearing balances
  • $13,839Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $68,963Net loans & leases
  • $1,045Loan loss allowance
  • $0Trading account assets
  • $2,267Bank premises and fixed assets
  • $234Other real estate owned
  • $0Goodwill and other intangibles
  • $111,778Life insurance assets
  • $2,294All other assets
  • $97,631Total liabilities and capital
  • $94,968Total liabilities
  • $76,494Total deposits
  • $94,968Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,533Trading liabilities
  • $0Other borrowed funds
  • $130Subordinated debt
  • $14,147All other liabilities
  • $14,147Total equity capital
  • $14,147Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $225Surplus
  • $13,722Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,098Income earned, not collected on loans
  • $0Earning assets
  • $833Long-term assets (5+ years)
  • $100,891Average Assets, year-to-date
  • $20,087Average Assets, quarterly
  • $113,497Volatile liabilities
  • $112,425Insider loans
  • $68,471FHLB advances
  • $112,177Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,007Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,782Restructured Loans and leases
  • $746Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,731Total interest income
  • $1,033Total interest expense
  • $4,698Net interest income
  • $200Provision for loan and lease losses
  • $673Total noninterest income
  • $0Fiduciary activities
  • $480Service charges on deposit accounts
  • $0Trading account gains & fees
  • $193Additional noninterest income
  • $3,559Total noninterest expense
  • $1,914Salaries and employee benefits
  • $298Premises and equipment expense
  • $1,347Additional noninterest expense
  • $1,612Pre-tax net operating income
  • $0Securities gains (losses)
  • $559Applicable income taxes
  • $1,053Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,053Net income attributable to bank
  • $0Net charge-offs
  • $1,053Cash dividends
  • $512Sale, conversion, retirement of capital stock, net
  • $450Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.69%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.66%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 7.58%Return on equity (ROE)
  • 4.34%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 39.06%Credit loss provision to net charge-offs
  • 3.54%Efficiency ratio
  • 66,263Assets per employee
  • 2.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.74%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 95.17%Noncurrent assets plus other real estate owned to assets
  • 1.19%Noncurrent loans to loans
  • 1.57%Net loans and leases to deposits
  • 72.62%Net loans and leases to core deposits
  • 75.01%Equity capital to assets
  • 12.66%Core capital (leverage) ratio
  • 12.49%Tier 1 risk-based capital ratio
  • 20.46%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $113,497Average earning assets
  • $13,885Average equity
  • $100,799Average loans

List of branches

  • 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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