FDIC Certificate #: 2794 Status: Active Federal Reserve ID: 496434 Bank Holding Company (Regulatory Top Holder): First Dozier Bancshares, Inc. (RSSDID: 3013793, Location: Dozier, AL) Date Established: March 10, 1910 WWW:http://www.fnbdozier.com 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: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14685 FDIC's unique #: 1824 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: Other Specialized Lending < 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: 7825 South Main Street, Dozier, AL 36028 County: Crenshaw 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
Change in Location
Financial Summary
Total assets: $37.0 mil Equity capital: $5.1 mil Deposits held in domestic offices: $28.3 mil Return on assets (ROA): 0.51% ($0.2 mil) Quarterly return on assets: 1.13% ($0.4 mil) Return on Equity (ROE): 3.82% ($0.2 mil) Quarterly return on equity: 8.23% ($0.4 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.40% ($148.0 mil) Quarterly Pretax return on assets: 0.96% ($355.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$37,010Total assets
$1,645Cash and due from depository institutions
$0Interest-bearing balances
$23,589Securities
$1,425Federal funds sold & reverse repurchase agreements
$8,252Net loans & leases
$147Loan loss allowance
$0Trading account assets
$61Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$37,010Life insurance assets
$2,038All other assets
$31,940Total liabilities and capital
$28,316Total liabilities
$23,086Total deposits
$28,316Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$624Subordinated debt
$5,070All other liabilities
$5,070Total equity capital
$5,070Total bank equity capital
$0Perpetual preferred stock
$225Common stock
$225Surplus
$4,620Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$298Income earned, not collected on loans
$0Earning assets
$231Long-term assets (5+ years)
$33,266Average Assets, year-to-date
$18,688Average Assets, quarterly
$36,186Volatile liabilities
$36,605Insider loans
$13,401FHLB advances
$36,731Loans and leases held for sale
$1,450Unused loan commitments
$1,450Tier 1 (core) risk-based capital
$4,660Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$697Restructured Loans and leases
$143Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,298Total interest income
$271Total interest expense
$1,027Net interest income
$174Provision for loan and lease losses
$168Total noninterest income
$0Fiduciary activities
$105Service charges on deposit accounts
$0Trading account gains & fees
$63Additional noninterest income
$914Total noninterest expense
$615Salaries and employee benefits
$117Premises and equipment expense
$182Additional noninterest expense
$107Pre-tax net operating income
$38Securities gains (losses)
-$39Applicable income taxes
$184Income before extraordinary items
$0Extraordinary gains - net
$184Net income attributable to bank
$0Net charge-offs
$184Cash dividends
$276Sale, conversion, retirement of capital stock, net
$79Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.97%Yield on earning assets
0.83%Cost of funding earning assets
3.14%Net interest margin
0.51%Noninterest income to earning assets
2.80%Noninterest expense to earning assets
0.40%Net operating income to assets
0.51%Return on assets (ROA)
0.40%Pretax return on assets
3.82%Return on equity (ROE)
2.18%Retained earnings to average equity (YTD only)
3.15%Net charge-offs to loans
63.04%Credit loss provision to net charge-offs
1.02%Efficiency ratio
76,485Assets per employee
5.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.93%Loss allowance to loans
1.75%Loss allowance to noncurrent loans
49.33%Noncurrent assets plus other real estate owned to assets
0.81%Noncurrent loans to loans
3.55%Net loans and leases to deposits
29.14%Net loans and leases to core deposits
29.76%Equity capital to assets
13.70%Core capital (leverage) ratio
12.69%Tier 1 risk-based capital ratio
34.77%Total risk-based capital ratio
Memoranda
$36Average assets
$36,186Average earning assets
$4,811Average equity
$32,697Average loans
List of branches
1 Alabama Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1824
The First National Bank Of Dozier
7825 South Main Street, Dozier, AL 36028
March 10, 1910
Full Service Brick and Mortar
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