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


  • The First National Bank of Talladega in Talladega, Alabama (AL)
  • Show street view No street view available for this location

The First National Bank of Talladega - Overview

  • General
  • FDIC Certificate #: 2832
    Status: Active
    Federal Reserve ID: 257233
    Bank Holding Company (Regulatory Top Holder): First National Talladega Corporation (RSSDID: 1135356, Location: Talladega, AL)
    Date Established: January 01, 1848
    WWW: http://www.fnbtalladega.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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14230
    FDIC's unique #: 1853
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 East North Street, Talladega, AL 35160
    County: Talladega
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Talladega-Sylacauga, AL (#45180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $420.9 mil
    Equity capital: $51.3 mil
    Deposits held in domestic offices: $334.8 mil
    Return on assets (ROA): 1.03% ($4.3 mil)
    Quarterly return on assets: 1.01% ($4.3 mil)
    Return on Equity (ROE): 8.97% ($4.6 mil)
    Quarterly return on equity: 8.15% ($4.2 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.29% ($5,429.1 mil)
    Quarterly Pretax return on assets: 1.05% ($4,419.1 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
  • 47Total employees (full-time equivalent)
  • $420,864Total assets
  • $62,344Cash and due from depository institutions
  • $51,777Interest-bearing balances
  • $161,788Securities
  • $68Federal funds sold & reverse repurchase agreements
  • $174,848Net loans & leases
  • $2,868Loan loss allowance
  • $0Trading account assets
  • $7,054Bank premises and fixed assets
  • $722Other real estate owned
  • $0Goodwill and other intangibles
  • $420,864Life insurance assets
  • $14,040All other assets
  • $369,539Total liabilities and capital
  • $334,833Total liabilities
  • $292,206Total deposits
  • $334,833Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $30,395Trading liabilities
  • $0Other borrowed funds
  • $4,311Subordinated debt
  • $51,325All other liabilities
  • $51,325Total equity capital
  • $51,325Total bank equity capital
  • $0Perpetual preferred stock
  • $1,219Common stock
  • $1,259Surplus
  • $48,847Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,135Income earned, not collected on loans
  • $0Earning assets
  • $2,685Long-term assets (5+ years)
  • $388,481Average Assets, year-to-date
  • $185,915Average Assets, quarterly
  • $412,557Volatile liabilities
  • $410,704Insider loans
  • $308,073FHLB advances
  • $403,309Loans and leases held for sale
  • $6,772Unused loan commitments
  • $240Tier 1 (core) risk-based capital
  • $47,356Tier 2 risk-based capital
  • $6,532Total risk weighted assets
  • $0Total unused commitments
  • $14,311Restructured Loans and leases
  • $635Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,741Total interest income
  • $5,294Total interest expense
  • $13,447Net interest income
  • $5,235Provision for loan and lease losses
  • $1,563Total noninterest income
  • $28Fiduciary activities
  • $1,022Service charges on deposit accounts
  • $0Trading account gains & fees
  • $513Additional noninterest income
  • $6,241Total noninterest expense
  • $3,051Salaries and employee benefits
  • $1,345Premises and equipment expense
  • $1,845Additional noninterest expense
  • $3,534Pre-tax net operating income
  • $1,789Securities gains (losses)
  • $1,081Applicable income taxes
  • $4,242Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,242Net income attributable to bank
  • $0Net charge-offs
  • $4,242Cash dividends
  • $4,063Sale, conversion, retirement of capital stock, net
  • $1,294Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 1.63%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 8.97%Return on equity (ROE)
  • 6.23%Retained earnings to average equity (YTD only)
  • 2.33%Net charge-offs to loans
  • 128.85%Credit loss provision to net charge-offs
  • 2.16%Efficiency ratio
  • 41,579Assets per employee
  • 8.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.50%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 31.40%Noncurrent assets plus other real estate owned to assets
  • 2.34%Noncurrent loans to loans
  • 5.14%Net loans and leases to deposits
  • 52.22%Net loans and leases to core deposits
  • 62.46%Equity capital to assets
  • 12.20%Core capital (leverage) ratio
  • 11.74%Tier 1 risk-based capital ratio
  • 15.37%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $412,557Average earning assets
  • $47,316Average equity
  • $381,995Average 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
  • $5,960Managed Assets
  • 1Number of Accounts
  • $5,960Personal trust and agency accounts
  • $5,960Employee 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
  • 18Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01853The First National Bank Of Talladega120 East North Street, Talladega, AL 35160January 01, 1848Full Service Brick and Mortar
    1194487Lincoln BranchMagnolia Avenue And Highway U.S. 78, Lincoln, AL 35096January 02, 1968Full Service Brick and Mortar
    2194488Munford BranchHighway 21, Munford, AL 36268September 07, 1988Full Service Brick and Mortar

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

CAPTCHA

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 Talladega.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents