Town-Country National Bank in Camden, Alabama (AL)

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Town-Country National Bank
GeneralFDIC Certificate #: 22621
Status: Active
Federal Reserve ID: 180537
Date Established: March 08, 1978
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)31
Total assets$94,268
Cash and due from depository institutions$3,195
Interest-bearing balances$58
Federal funds sold & reverse repurchase agreements$6,275
Net loans & leases$55,162
Loan loss allowance $2,113
Trading account assets$0
Bank premises and fixed assets$2,184
Other real estate owned$94
Goodwill and other intangibles$0
All other assets$4,146
Life insurance assets$94,268
Total liabilities and capital$81,748
Total liabilities$80,907
Total deposits$71,565
Interest-bearing deposits$80,907
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $841
All other liabilities $12,520
Total equity capital$12,520
Total bank equity capital$12,520
Perpetual preferred stock$0
Common stock$75
Undivided profits $11,770
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $601
Earning assets $0
Long-term assets (5+ years) $662
Average Assets, year-to-date $84,707
Average Assets, quarterly $20,875
Volatile liabilities $93,149
Insider loans $93,329
FHLB advances $60,751
Loans and leases held for sale $92,743
Unused loan commitments $2,436
Tier 1 (core) risk-based capital $2,234
Tier 2 risk-based capital $12,482
Total risk weighted assets $202
Total unused commitments $0
Restructured Loans and leases $2,477
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,136
Total interest expense $1,039
Net interest income $4,097
Provision for loan and lease losses $595
Total noninterest income $762
Fiduciary activities $0
Service charges on deposit accounts $578
Trading account gains & fees $0
Additional noninterest income $184
Total noninterest expense $2,851
Salaries and employee benefits $1,561
Premises and equipment expense $293
Additional noninterest expense $997
Pre-tax net operating income $1,413
Securities gains (losses) $0
Applicable income taxes $71
Income before extraordinary items $1,342
Extraordinary gains - net $0
Net income attributable to bank $1,342
Net charge-offs $0
Cash dividends $1,342
Sale, conversion, retirement of capital stock, net $105
Net operating income $352
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.19%
Cost of funding earning assets 1.25%
Net interest margin 4.94%
Noninterest income to earning assets 0.92%
Noninterest expense to earning assets 3.44%
Net operating income to assets 1.44%
Return on assets (ROA) 1.44%
Pretax return on assets 1.52%
Return on equity (ROE) 11.22%
Retained earnings to average equity (YTD only) 8.28%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 566.67%
Efficiency ratio19.12%
Assets per employee$58,675
Cash dividends to net income (YTD only)3.04%
Condition Ratios (%)
Loss allowance to loans 26.23%
Loss allowance to noncurrent loans 3.69%
Noncurrent assets plus other real estate owned to assets 351.58%
Noncurrent loans to loans 0.74%
Net loans and leases to deposits1.05%
Net loans and leases to core deposits 68.18%
Equity capital to assets 75.31%
Core capital (leverage) ratio 13.28%
Tier 1 risk-based capital ratio 13.46%
Total risk-based capital ratio 20.55%
Average assets$22
Average earning assets$93,149
Average equity $11,957
Average loans $82,920
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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
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