The Headland National Bank in Headland, Alabama (AL)



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The Headland National Bank
GeneralFDIC 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
WWW: http://www.headlandnational.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: 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)31
Total assets$108,560
Cash and due from depository institutions$3,848
Interest-bearing balances$195
Securities$24,960
Federal funds sold & reverse repurchase agreements$13,000
Net loans & leases$55,710
Loan loss allowance $1,197
Trading account assets$0
Bank premises and fixed assets$2,116
Other real estate owned$2,872
Goodwill and other intangibles$0
All other assets$6,054
Life insurance assets$108,560
Total liabilities and capital$96,182
Total liabilities$91,710
Total deposits$78,619
Interest-bearing deposits$91,710
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,191
Other borrowed funds $0
Subordinated debt $2,281
All other liabilities $12,378
Total equity capital$12,378
Total bank equity capital$12,378
Perpetual preferred stock$0
Common stock$1,200
Surplus$1,950
Undivided profits $9,228
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $238
Income earned, not collected on loans $2,272
Earning assets $0
Long-term assets (5+ years) $592
Average Assets, year-to-date $93,865
Average Assets, quarterly $27,022
Volatile liabilities $111,083
Insider loans $109,080
FHLB advances $70,031
Loans and leases held for sale $109,521
Unused loan commitments $4,049
Tier 1 (core) risk-based capital $2,813
Tier 2 risk-based capital $12,077
Total risk weighted assets $0
Total unused commitments $1,236
Restructured Loans and leases $7,557
Derivatives$150
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,811
Total interest expense $1,244
Net interest income $3,567
Provision for loan and lease losses $866
Total noninterest income $1,163
Fiduciary activities $0
Service charges on deposit accounts $335
Trading account gains & fees $0
Additional noninterest income $828
Total noninterest expense $4,390
Salaries and employee benefits $1,629
Premises and equipment expense $533
Additional noninterest expense $2,228
Pre-tax net operating income -$526
Securities gains (losses) $310
Applicable income taxes -$30
Income before extraordinary items -$186
Extraordinary gains - net $0
Net income attributable to bank -$186
Net charge-offs $0
Cash dividends -$186
Sale, conversion, retirement of capital stock, net $1,050
Net operating income $60
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.91%
Cost of funding earning assets 1.27%
Net interest margin 3.64%
Noninterest income to earning assets 1.19%
Noninterest expense to earning assets 4.48%
Net operating income to assets -0.41%
Return on assets (ROA) -0.17%
Pretax return on assets -0.19%
Return on equity (ROE) -1.47%
Retained earnings to average equity (YTD only) -1.95%
Net charge-offs to loans 1.68%
Credit loss provision to net charge-offs 82.48%
Efficiency ratio0.32%
Assets per employee$92,812
Cash dividends to net income (YTD only)3.50%
Condition Ratios (%)
Loss allowance to loans -32.26%
Loss allowance to noncurrent loans 2.10%
Noncurrent assets plus other real estate owned to assets 52.68%
Noncurrent loans to loans 4.74%
Net loans and leases to deposits3.99%
Net loans and leases to core deposits 60.75%
Equity capital to assets 62.87%
Core capital (leverage) ratio 11.40%
Tier 1 risk-based capital ratio 11.03%
Total risk-based capital ratio 17.25%
Memoranda
Average assets$19
Average earning assets$111,083
Average equity $12,629
Average loans $98,072
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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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