Town-Country National Bank in Camden, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Town-Country National Bank - Overview

  • General
  • FDIC Certificate #: 22621
    Status: Active
    Federal Reserve ID: 180537
    Date Established: March 08, 1978
    WWW: http://www.tcnbank.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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 15781
    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: March 08, 1978
    Last Structure Change Effective Date: December 01, 2008
    Last Structure Change Process Date: December 30, 2008
    Last Data Update: December 30, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 118 Broad Street, Camden, AL 36726
    County: Wilcox
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $94.3 mil
    Equity capital: $12.5 mil
    Deposits held in domestic offices: $80.9 mil
    Return on assets (ROA): 1.44% ($1.4 mil)
    Quarterly return on assets: 1.52% ($1.4 mil)
    Return on Equity (ROE): 11.22% ($1.5 mil)
    Quarterly return on equity: 11.45% ($1.5 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.52% ($1,432.9 mil)
    Quarterly Pretax return on assets: 1.61% ($1,517.7 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)
  • $94,268Total assets
  • $3,195Cash and due from depository institutions
  • $58Interest-bearing balances
  • $23,212Securities
  • $6,275Federal funds sold & reverse repurchase agreements
  • $55,162Net loans & leases
  • $2,113Loan loss allowance
  • $0Trading account assets
  • $2,184Bank premises and fixed assets
  • $94Other real estate owned
  • $0Goodwill and other intangibles
  • $94,268Life insurance assets
  • $4,146All other assets
  • $81,748Total liabilities and capital
  • $80,907Total liabilities
  • $71,565Total deposits
  • $80,907Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $841Subordinated debt
  • $12,520All other liabilities
  • $12,520Total equity capital
  • $12,520Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $675Surplus
  • $11,770Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $601Income earned, not collected on loans
  • $0Earning assets
  • $662Long-term assets (5+ years)
  • $84,707Average Assets, year-to-date
  • $20,875Average Assets, quarterly
  • $93,149Volatile liabilities
  • $93,329Insider loans
  • $60,751FHLB advances
  • $92,743Loans and leases held for sale
  • $2,436Unused loan commitments
  • $2,234Tier 1 (core) risk-based capital
  • $12,482Tier 2 risk-based capital
  • $202Total risk weighted assets
  • $0Total unused commitments
  • $2,477Restructured Loans and leases
  • $918Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,136Total interest income
  • $1,039Total interest expense
  • $4,097Net interest income
  • $595Provision for loan and lease losses
  • $762Total noninterest income
  • $0Fiduciary activities
  • $578Service charges on deposit accounts
  • $0Trading account gains & fees
  • $184Additional noninterest income
  • $2,851Total noninterest expense
  • $1,561Salaries and employee benefits
  • $293Premises and equipment expense
  • $997Additional noninterest expense
  • $1,413Pre-tax net operating income
  • $0Securities gains (losses)
  • $71Applicable income taxes
  • $1,342Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,342Net income attributable to bank
  • $0Net charge-offs
  • $1,342Cash dividends
  • $105Sale, conversion, retirement of capital stock, net
  • $352Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.19%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 4.94%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 11.22%Return on equity (ROE)
  • 8.28%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 566.67%Credit loss provision to net charge-offs
  • 19.12%Efficiency ratio
  • 58,675Assets per employee
  • 3.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.23%Loss allowance to loans
  • 3.69%Loss allowance to noncurrent loans
  • 351.58%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 1.05%Net loans and leases to deposits
  • 68.18%Net loans and leases to core deposits
  • 75.31%Equity capital to assets
  • 13.28%Core capital (leverage) ratio
  • 13.46%Tier 1 risk-based capital ratio
  • 20.55%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $93,149Average earning assets
  • $11,957Average equity
  • $82,920Average loans

List of branches

  • 1 Alabama Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015781Town-Country National Bank118 Broad Street, Camden, AL 36726March 08, 1978Full 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 Town-Country National Bank.
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