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

The First National Bank of Hartford - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 26Total employees (full-time equivalent)
  • $146,495Total assets
  • $14,950Cash and due from depository institutions
  • $0Interest-bearing balances
  • $77,315Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $50,419Net loans & leases
  • $1,179Loan loss allowance
  • $0Trading account assets
  • $1,136Bank premises and fixed assets
  • $424Other real estate owned
  • $0Goodwill and other intangibles
  • $146,495Life insurance assets
  • $2,251All other assets
  • $131,143Total liabilities and capital
  • $125,726Total liabilities
  • $114,800Total deposits
  • $125,726Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $417Subordinated debt
  • $15,352All other liabilities
  • $15,352Total equity capital
  • $15,352Total bank equity capital
  • $0Perpetual preferred stock
  • $276Common stock
  • $1,000Surplus
  • $14,076Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,064Income earned, not collected on loans
  • $0Earning assets
  • $1,400Long-term assets (5+ years)
  • $127,734Average Assets, year-to-date
  • $73,165Average Assets, quarterly
  • $141,625Volatile liabilities
  • $145,781Insider loans
  • $70,192FHLB advances
  • $138,554Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,938Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $998Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,822Total interest income
  • $1,791Total interest expense
  • $4,031Net interest income
  • $1,410Provision for loan and lease losses
  • $401Total noninterest income
  • $0Fiduciary activities
  • $264Service charges on deposit accounts
  • $0Trading account gains & fees
  • $137Additional noninterest income
  • $3,043Total noninterest expense
  • $1,267Salaries and employee benefits
  • $342Premises and equipment expense
  • $1,434Additional noninterest expense
  • -$21Pre-tax net operating income
  • $271Securities gains (losses)
  • -$8Applicable income taxes
  • $258Income before extraordinary items
  • $0Extraordinary gains - net
  • $258Net income attributable to bank
  • $0Net charge-offs
  • $258Cash dividends
  • $940Sale, conversion, retirement of capital stock, net
  • $351Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 3.24%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.44%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 1.78%Return on equity (ROE)
  • -0.64%Retained earnings to average equity (YTD only)
  • 1.84%Net charge-offs to loans
  • 150.00%Credit loss provision to net charge-offs
  • 1.48%Efficiency ratio
  • 68,660Assets per employee
  • 5.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 136.05%Loss allowance to loans
  • 2.28%Loss allowance to noncurrent loans
  • 57.12%Noncurrent assets plus other real estate owned to assets
  • 1.70%Noncurrent loans to loans
  • 4.00%Net loans and leases to deposits
  • 40.10%Net loans and leases to core deposits
  • 44.97%Equity capital to assets
  • 10.48%Core capital (leverage) ratio
  • 10.78%Tier 1 risk-based capital ratio
  • 21.28%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $141,625Average earning assets
  • $14,475Average equity
  • $124,603Average loans

List of branches

  • 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

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First National Bank of Hartford.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents