Traders & Farmers Bank in Haleyville, Alabama (AL)

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Traders & Farmers Bank
GeneralFDIC Certificate #: 47
Status: Active
Federal Reserve ID: 390336
Bank Holding Company (Regulatory Top Holder): Traders & Farmers Bancshares, Inc. (RSSDID: 3467305, Location: Haleyville, AL)
Date Established: January 06, 1906
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 16141
FDIC's unique #: 28
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
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
LocationAddress: 819 20th St, Haleyville, AL 35565
County: Winston
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
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $366.6 mil
Equity capital: $50.2 mil
Deposits held in domestic offices: $287.0 mil
Return on assets (ROA): 1.05% ($3.9 mil)
Quarterly return on assets: 0.89% ($3.3 mil)
Return on Equity (ROE): 8.23% ($4.1 mil)
Quarterly return on equity: 6.50% ($3.3 mil)
Net income: $3.8 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.33% ($4,875.4 mil)
Quarterly Pretax return on assets: 1.05% ($3,849.0 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)116
Total assets$366,570
Cash and due from depository institutions$3,690
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$4,595
Net loans & leases$165,621
Loan loss allowance $2,629
Trading account assets$0
Bank premises and fixed assets$7,366
Other real estate owned$5,232
Goodwill and other intangibles$0
All other assets$15,404
Life insurance assets$366,570
Total liabilities and capital$316,407
Total liabilities$287,037
Total deposits$247,091
Interest-bearing deposits$287,037
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$28,000
Other borrowed funds $0
Subordinated debt $1,370
All other liabilities $50,163
Total equity capital$50,163
Total bank equity capital$50,163
Perpetual preferred stock$0
Common stock$341
Undivided profits $49,223
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 $2,801
Earning assets $0
Long-term assets (5+ years) $2,487
Average Assets, year-to-date $334,878
Average Assets, quarterly $195,155
Volatile liabilities $364,149
Insider loans $366,942
FHLB advances $204,083
Loans and leases held for sale $366,340
Unused loan commitments $9,166
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $48,504
Total risk weighted assets $9,166
Total unused commitments $0
Restructured Loans and leases $12,006
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $18,745
Total interest expense $5,336
Net interest income $13,409
Provision for loan and lease losses $1,015
Total noninterest income $1,203
Fiduciary activities $0
Service charges on deposit accounts $990
Trading account gains & fees $0
Additional noninterest income $213
Total noninterest expense $9,490
Salaries and employee benefits $5,805
Premises and equipment expense $1,070
Additional noninterest expense $2,615
Pre-tax net operating income $4,107
Securities gains (losses) $728
Applicable income taxes $1,008
Income before extraordinary items $3,827
Extraordinary gains - net $0
Net income attributable to bank $3,827
Net charge-offs $0
Cash dividends $3,827
Sale, conversion, retirement of capital stock, net $1,020
Net operating income $1,185
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.71%
Cost of funding earning assets 1.63%
Net interest margin 4.09%
Noninterest income to earning assets 0.37%
Noninterest expense to earning assets 2.89%
Net operating income to assets 0.89%
Return on assets (ROA) 1.05%
Pretax return on assets 1.33%
Return on equity (ROE) 8.23%
Retained earnings to average equity (YTD only) 5.68%
Net charge-offs to loans 0.58%
Credit loss provision to net charge-offs 99.51%
Efficiency ratio5.02%
Assets per employee$64,947
Cash dividends to net income (YTD only)3.16%
Condition Ratios (%)
Loss allowance to loans 30.96%
Loss allowance to noncurrent loans 1.56%
Noncurrent assets plus other real estate owned to assets 93.86%
Noncurrent loans to loans 2.19%
Net loans and leases to deposits1.66%
Net loans and leases to core deposits 57.70%
Equity capital to assets 64.84%
Core capital (leverage) ratio 13.68%
Tier 1 risk-based capital ratio 13.24%
Total risk-based capital ratio 23.77%
Average assets$25
Average earning assets$364,149
Average equity $46,490
Average loans $328,166
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7 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
028Traders & Farmers Bank819 20th St, Haleyville, AL 35565January 06, 1906Full Service Brick and Mortar
1180907Double Springs Branch10 Blake Drive, Double Springs, AL 35553May 10, 1955Full Service Brick and Mortar
3180909Addison Branch30966 Hwy 278, Addison, AL 35540Febuary 18, 1974Full Service Brick and Mortar
4180910Arley Branch6141 County Road 41, Arley, AL 35541Febuary 27, 1984Full Service Brick and Mortar
6180912Bear Creek Branch309 Main Street, Bear Creek, AL 35543July 05, 1991Full Service Brick and Mortar
7180913Lynn Branch101 Heck St, Lynn, AL 35575June 05, 1996Full Service Brick and Mortar
9180915Curry Branch5329 Curry Hwy, Curry, AL 35503Febuary 15, 1999Full Service Brick and Mortar
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