The First National Bank of Dozier in Dozier, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank of Dozier - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    01824The First National Bank Of Dozier7825 South Main Street, Dozier, AL 36028March 10, 1910Full Service Brick and Mortar

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