The First National Bank of Hartford in Hartford, Alabama (AL)

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The First National Bank of Hartford routing number info

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The First National Bank of Hartford
GeneralFDIC Certificate #: 2804
Status: Active
Federal Reserve ID: 112332
Bank Holding Company (Regulatory Top Holder): First Hartford Bancshares, Inc. (RSSDID: 1084052, Location: Hartford, AL)
Date Established: January 01, 1905
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)
FDIC's unique #: 1830
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: Other Specialized Lending < 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: 101 Third Avenue South, Hartford, AL 36344
County: Geneva
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
Combined Statistical Area (CSA): Dothan-Enterprise-Ozark, AL (#222)
Core Based Statistical Area (CBSA): Dothan, AL (#20020)
CBSA Metro Statistical Area: Dothan, AL (#20020)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $146.5 mil
Equity capital: $15.4 mil
Deposits held in domestic offices: $125.7 mil
Return on assets (ROA): 0.18% ($0.3 mil)
Quarterly return on assets: -0.83% (-$1.2 mil)
Return on Equity (ROE): 1.78% ($0.3 mil)
Quarterly return on equity: -7.89% (-$1.2 mil)
Net income: $0.3 mil
Quarterly Net income: -$0.3 mil
Pretax return on assets: 0.18% ($263.7 mil)
Quarterly Pretax return on assets: -0.86% (-$1,259.9 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)26
Total assets$146,495
Cash and due from depository institutions$14,950
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$50,419
Loan loss allowance $1,179
Trading account assets$0
Bank premises and fixed assets$1,136
Other real estate owned$424
Goodwill and other intangibles$0
All other assets$2,251
Life insurance assets$146,495
Total liabilities and capital$131,143
Total liabilities$125,726
Total deposits$114,800
Interest-bearing deposits$125,726
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $417
All other liabilities $15,352
Total equity capital$15,352
Total bank equity capital$15,352
Perpetual preferred stock$0
Common stock$276
Undivided profits $14,076
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 $2,064
Earning assets $0
Long-term assets (5+ years) $1,400
Average Assets, year-to-date $127,734
Average Assets, quarterly $73,165
Volatile liabilities $141,625
Insider loans $145,781
FHLB advances $70,192
Loans and leases held for sale $138,554
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,938
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $998
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,822
Total interest expense $1,791
Net interest income $4,031
Provision for loan and lease losses $1,410
Total noninterest income $401
Fiduciary activities $0
Service charges on deposit accounts $264
Trading account gains & fees $0
Additional noninterest income $137
Total noninterest expense $3,043
Salaries and employee benefits $1,267
Premises and equipment expense $342
Additional noninterest expense $1,434
Pre-tax net operating income -$21
Securities gains (losses) $271
Applicable income taxes -$8
Income before extraordinary items $258
Extraordinary gains - net $0
Net income attributable to bank $258
Net charge-offs $0
Cash dividends $258
Sale, conversion, retirement of capital stock, net $940
Net operating income $351
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.67%
Cost of funding earning assets 1.44%
Net interest margin 3.24%
Noninterest income to earning assets 0.32%
Noninterest expense to earning assets 2.44%
Net operating income to assets -0.01%
Return on assets (ROA) 0.18%
Pretax return on assets 0.18%
Return on equity (ROE) 1.78%
Retained earnings to average equity (YTD only) -0.64%
Net charge-offs to loans 1.84%
Credit loss provision to net charge-offs 150.00%
Efficiency ratio1.48%
Assets per employee$68,660
Cash dividends to net income (YTD only)5.63%
Condition Ratios (%)
Loss allowance to loans 136.05%
Loss allowance to noncurrent loans 2.28%
Noncurrent assets plus other real estate owned to assets 57.12%
Noncurrent loans to loans 1.70%
Net loans and leases to deposits4.00%
Net loans and leases to core deposits 40.10%
Equity capital to assets 44.97%
Core capital (leverage) ratio 10.48%
Tier 1 risk-based capital ratio 10.78%
Total risk-based capital ratio 21.28%
Average assets$23
Average earning assets$141,625
Average equity $14,475
Average loans $124,603
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1 Alabama Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01830The First National Bank Of Hartford101 Third Avenue South, Hartford, AL 36344January 01, 1905Full Service Brick and Mortar
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