The First National Bank and Trust in Atmore, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank and Trust - Overview

  • General
  • FDIC Certificate #: 2779
    Status: Active
    Federal Reserve ID: 670430
    Bank Holding Company (Regulatory Top Holder): First Suncoast Trust Bancshares, Inc. (RSSDID: 1141302, Location: Atmore, AL)
    Date Established: January 01, 1915
    WWW: http://www.fnbandt.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 1813
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 South Main Street, Atmore, AL 36502
    County: Escambia
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Pensacola
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $152.3 mil
    Equity capital: $17.7 mil
    Deposits held in domestic offices: $126.5 mil
    Return on assets (ROA): 0.46% ($0.7 mil)
    Quarterly return on assets: 0.65% ($1.0 mil)
    Return on Equity (ROE): 4.16% ($0.7 mil)
    Quarterly return on equity: 5.58% ($1.0 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.48% ($730.9 mil)
    Quarterly Pretax return on assets: 0.65% ($989.7 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
  • 54Total employees (full-time equivalent)
  • $152,268Total assets
  • $9,457Cash and due from depository institutions
  • $3,328Interest-bearing balances
  • $32,900Securities
  • $9,010Federal funds sold & reverse repurchase agreements
  • $87,636Net loans & leases
  • $1,342Loan loss allowance
  • $0Trading account assets
  • $5,616Bank premises and fixed assets
  • $1,287Other real estate owned
  • $0Goodwill and other intangibles
  • $152,268Life insurance assets
  • $6,362All other assets
  • $134,615Total liabilities and capital
  • $126,515Total liabilities
  • $93,241Total deposits
  • $126,515Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,750Trading liabilities
  • $0Other borrowed funds
  • $350Subordinated debt
  • $17,653All other liabilities
  • $17,653Total equity capital
  • $17,653Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,850Surplus
  • $15,653Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,951Income earned, not collected on loans
  • $0Earning assets
  • $972Long-term assets (5+ years)
  • $132,874Average Assets, year-to-date
  • $37,201Average Assets, quarterly
  • $151,782Volatile liabilities
  • $151,594Insider loans
  • $103,535FHLB advances
  • $150,827Loans and leases held for sale
  • $3,910Unused loan commitments
  • $3,910Tier 1 (core) risk-based capital
  • $16,987Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,213Restructured Loans and leases
  • $3,545Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,545Total interest income
  • $1,309Total interest expense
  • $5,236Net interest income
  • $577Provision for loan and lease losses
  • $1,660Total noninterest income
  • $363Fiduciary activities
  • $894Service charges on deposit accounts
  • $0Trading account gains & fees
  • $403Additional noninterest income
  • $5,640Total noninterest expense
  • $2,692Salaries and employee benefits
  • $640Premises and equipment expense
  • $2,308Additional noninterest expense
  • $679Pre-tax net operating income
  • $46Securities gains (losses)
  • $27Applicable income taxes
  • $698Income before extraordinary items
  • $0Extraordinary gains - net
  • $698Net income attributable to bank
  • $0Net charge-offs
  • $698Cash dividends
  • $547Sale, conversion, retirement of capital stock, net
  • $90Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.92%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 4.23%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 4.16%Return on equity (ROE)
  • 3.63%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 105.48%Credit loss provision to net charge-offs
  • 2.30%Efficiency ratio
  • 81,787Assets per employee
  • 2.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.89%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 22.55%Noncurrent assets plus other real estate owned to assets
  • 4.75%Noncurrent loans to loans
  • 6.69%Net loans and leases to deposits
  • 69.27%Net loans and leases to core deposits
  • 79.08%Equity capital to assets
  • 11.59%Core capital (leverage) ratio
  • 11.26%Tier 1 risk-based capital ratio
  • 16.41%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $151,782Average earning assets
  • $16,767Average equity
  • $133,420Average 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
  • $32,826Managed Assets
  • 1Number of Accounts
  • $22,705Personal trust and agency accounts
  • $22,705Employee 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
  • 80Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $10,121Other retirement accounts
  • $7,664Corporate trust and agency accounts
  • $2,457Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01813The First National Bank And Trust111 South Main Street, Atmore, AL 36502January 01, 1915Full Service Brick and Mortar
    1194223Lindberg Avenue Branch104 Lindberg Avenue, Atmore, AL 36502October 20, 1980Limited Service Facility
    217314Atmore Branch207 North Main Street, Atmore, AL 36502Febuary 22, 1984Limited Service Facility
    3464088Excel Branch Of First National Bank67 Highway 136 East, Excel, AL 36439April 27, 2007Full Service Brick and Mortar

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