Traders & Farmers Bank in Haleyville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Traders & Farmers Bank in Haleyville, Alabama (AL)
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Traders & Farmers Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 116Total employees (full-time equivalent)
  • $366,570Total assets
  • $3,690Cash and due from depository institutions
  • $0Interest-bearing balances
  • $164,662Securities
  • $4,595Federal funds sold & reverse repurchase agreements
  • $165,621Net loans & leases
  • $2,629Loan loss allowance
  • $0Trading account assets
  • $7,366Bank premises and fixed assets
  • $5,232Other real estate owned
  • $0Goodwill and other intangibles
  • $366,570Life insurance assets
  • $15,404All other assets
  • $316,407Total liabilities and capital
  • $287,037Total liabilities
  • $247,091Total deposits
  • $287,037Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $28,000Trading liabilities
  • $0Other borrowed funds
  • $1,370Subordinated debt
  • $50,163All other liabilities
  • $50,163Total equity capital
  • $50,163Total bank equity capital
  • $0Perpetual preferred stock
  • $341Common stock
  • $599Surplus
  • $49,223Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,801Income earned, not collected on loans
  • $0Earning assets
  • $2,487Long-term assets (5+ years)
  • $334,878Average Assets, year-to-date
  • $195,155Average Assets, quarterly
  • $364,149Volatile liabilities
  • $366,942Insider loans
  • $204,083FHLB advances
  • $366,340Loans and leases held for sale
  • $9,166Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $48,504Tier 2 risk-based capital
  • $9,166Total risk weighted assets
  • $0Total unused commitments
  • $12,006Restructured Loans and leases
  • $72Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,745Total interest income
  • $5,336Total interest expense
  • $13,409Net interest income
  • $1,015Provision for loan and lease losses
  • $1,203Total noninterest income
  • $0Fiduciary activities
  • $990Service charges on deposit accounts
  • $0Trading account gains & fees
  • $213Additional noninterest income
  • $9,490Total noninterest expense
  • $5,805Salaries and employee benefits
  • $1,070Premises and equipment expense
  • $2,615Additional noninterest expense
  • $4,107Pre-tax net operating income
  • $728Securities gains (losses)
  • $1,008Applicable income taxes
  • $3,827Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,827Net income attributable to bank
  • $0Net charge-offs
  • $3,827Cash dividends
  • $1,020Sale, conversion, retirement of capital stock, net
  • $1,185Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.71%Yield on earning assets
  • 1.63%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 8.23%Return on equity (ROE)
  • 5.68%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 99.51%Credit loss provision to net charge-offs
  • 5.02%Efficiency ratio
  • 64,947Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.96%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 93.86%Noncurrent assets plus other real estate owned to assets
  • 2.19%Noncurrent loans to loans
  • 1.66%Net loans and leases to deposits
  • 57.70%Net loans and leases to core deposits
  • 64.84%Equity capital to assets
  • 13.68%Core capital (leverage) ratio
  • 13.24%Tier 1 risk-based capital ratio
  • 23.77%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $364,149Average earning assets
  • $46,490Average equity
  • $328,166Average loans

List of branches

  • 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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