The Headland National Bank in Headland, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Headland National Bank - Overview

  • General
  • FDIC Certificate #: 2805
    Status: Active
    Federal Reserve ID: 117038
    Bank Holding Company (Regulatory Top Holder): Hnb Holding Company, Inc. (RSSDID: 2081834, Location: Headland, AL)
    Date Established: August 16, 1933
    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: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11114
    FDIC's unique #: 1831
    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: Commercial Lending Specialization
    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: 40 Main Street, Headland, AL 36345
    County: Henry
    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: $108.6 mil
    Equity capital: $12.4 mil
    Deposits held in domestic offices: $91.7 mil
    Return on assets (ROA): -0.17% (-$0.2 mil)
    Quarterly return on assets: -0.51% (-$0.6 mil)
    Return on Equity (ROE): -1.47% (-$0.2 mil)
    Quarterly return on equity: -4.45% (-$0.5 mil)
    Net income: -$0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.19% (-$206.3 mil)
    Quarterly Pretax return on assets: -0.83% (-$901.0 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
  • 31Total employees (full-time equivalent)
  • $108,560Total assets
  • $3,848Cash and due from depository institutions
  • $195Interest-bearing balances
  • $24,960Securities
  • $13,000Federal funds sold & reverse repurchase agreements
  • $55,710Net loans & leases
  • $1,197Loan loss allowance
  • $0Trading account assets
  • $2,116Bank premises and fixed assets
  • $2,872Other real estate owned
  • $0Goodwill and other intangibles
  • $108,560Life insurance assets
  • $6,054All other assets
  • $96,182Total liabilities and capital
  • $91,710Total liabilities
  • $78,619Total deposits
  • $91,710Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,191Trading liabilities
  • $0Other borrowed funds
  • $2,281Subordinated debt
  • $12,378All other liabilities
  • $12,378Total equity capital
  • $12,378Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $1,950Surplus
  • $9,228Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $238Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,272Income earned, not collected on loans
  • $0Earning assets
  • $592Long-term assets (5+ years)
  • $93,865Average Assets, year-to-date
  • $27,022Average Assets, quarterly
  • $111,083Volatile liabilities
  • $109,080Insider loans
  • $70,031FHLB advances
  • $109,521Loans and leases held for sale
  • $4,049Unused loan commitments
  • $2,813Tier 1 (core) risk-based capital
  • $12,077Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,236Total unused commitments
  • $7,557Restructured Loans and leases
  • $150Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,811Total interest income
  • $1,244Total interest expense
  • $3,567Net interest income
  • $866Provision for loan and lease losses
  • $1,163Total noninterest income
  • $0Fiduciary activities
  • $335Service charges on deposit accounts
  • $0Trading account gains & fees
  • $828Additional noninterest income
  • $4,390Total noninterest expense
  • $1,629Salaries and employee benefits
  • $533Premises and equipment expense
  • $2,228Additional noninterest expense
  • -$526Pre-tax net operating income
  • $310Securities gains (losses)
  • -$30Applicable income taxes
  • -$186Income before extraordinary items
  • $0Extraordinary gains - net
  • -$186Net income attributable to bank
  • $0Net charge-offs
  • -$186Cash dividends
  • $1,050Sale, conversion, retirement of capital stock, net
  • $60Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 3.64%Net interest margin
  • 1.19%Noninterest income to earning assets
  • 4.48%Noninterest expense to earning assets
  • -0.41%Net operating income to assets
  • -0.17%Return on assets (ROA)
  • -0.19%Pretax return on assets
  • -1.47%Return on equity (ROE)
  • -1.95%Retained earnings to average equity (YTD only)
  • 1.68%Net charge-offs to loans
  • 82.48%Credit loss provision to net charge-offs
  • 0.32%Efficiency ratio
  • 92,812Assets per employee
  • 3.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -32.26%Loss allowance to loans
  • 2.10%Loss allowance to noncurrent loans
  • 52.68%Noncurrent assets plus other real estate owned to assets
  • 4.74%Noncurrent loans to loans
  • 3.99%Net loans and leases to deposits
  • 60.75%Net loans and leases to core deposits
  • 62.87%Equity capital to assets
  • 11.40%Core capital (leverage) ratio
  • 11.03%Tier 1 risk-based capital ratio
  • 17.25%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $111,083Average earning assets
  • $12,629Average equity
  • $98,072Average loans

List of branches

  • 2 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01831The Headland National Bank40 Main Street, Headland, AL 36345August 16, 1933Full Service Brick and Mortar
    1463398431 BranchHighway 431 And County Road 22, Headland, AL 36345April 05, 2007Full Service Brick and Mortar

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