Trinity Bank in Dothan, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Trinity Bank - Overview

  • General
  • FDIC Certificate #: 58206
    Status: Active
    Federal Reserve ID: 3424483
    Date Established: Febuary 24, 2006
    WWW: http://www.trinitybankusa.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 442021
    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: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 24, 2006
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3850 West Main Street, Suite 1000, Dothan, AL 36305
    County: Houston
    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
    Metropolitan Statistical Area (MSA): Dothan, AL (#2180)
    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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $72.9 mil
    Equity capital: $6.6 mil
    Deposits held in domestic offices: $64.7 mil
    Return on assets (ROA): -1.09% (-$0.8 mil)
    Quarterly return on assets: 0.45% ($0.3 mil)
    Return on Equity (ROE): -10.89% (-$0.8 mil)
    Quarterly return on equity: 4.95% ($0.3 mil)
    Net income: -$0.8 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -1.09% (-$794.4 mil)
    Quarterly Pretax return on assets: 0.45% ($328.0 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
  • 18Total employees (full-time equivalent)
  • $72,884Total assets
  • $15,647Cash and due from depository institutions
  • $13,099Interest-bearing balances
  • $3,508Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $47,370Net loans & leases
  • $992Loan loss allowance
  • $0Trading account assets
  • $1,575Bank premises and fixed assets
  • $3,922Other real estate owned
  • $0Goodwill and other intangibles
  • $72,884Life insurance assets
  • $862All other assets
  • $66,313Total liabilities and capital
  • $64,652Total liabilities
  • $56,627Total deposits
  • $64,652Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $161Subordinated debt
  • $6,571All other liabilities
  • $6,571Total equity capital
  • $6,571Total bank equity capital
  • $0Perpetual preferred stock
  • $1,258Common stock
  • $10,365Surplus
  • $-5,052Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $974Income earned, not collected on loans
  • $0Earning assets
  • $233Long-term assets (5+ years)
  • $63,977Average Assets, year-to-date
  • $4,187Average Assets, quarterly
  • $69,641Volatile liabilities
  • $72,294Insider loans
  • $50,584FHLB advances
  • $70,884Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,434Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,973Restructured Loans and leases
  • $2,177Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,175Total interest income
  • $820Total interest expense
  • $2,355Net interest income
  • $969Provision for loan and lease losses
  • -$84Total noninterest income
  • $0Fiduciary activities
  • $61Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$145Additional noninterest income
  • $2,064Total noninterest expense
  • $992Salaries and employee benefits
  • $472Premises and equipment expense
  • $600Additional noninterest expense
  • -$762Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$762Income before extraordinary items
  • $0Extraordinary gains - net
  • -$762Net income attributable to bank
  • $0Net charge-offs
  • -$762Cash dividends
  • $1,402Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 3.73%Net interest margin
  • -0.13%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • -1.09%Net operating income to assets
  • -1.09%Return on assets (ROA)
  • -1.09%Pretax return on assets
  • -10.89%Return on equity (ROE)
  • -10.89%Retained earnings to average equity (YTD only)
  • 2.72%Net charge-offs to loans
  • 69.12%Credit loss provision to net charge-offs
  • 0.15%Efficiency ratio
  • 90,885Assets per employee
  • 4.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 101.85%Noncurrent assets plus other real estate owned to assets
  • 6.72%Noncurrent loans to loans
  • 2.01%Net loans and leases to deposits
  • 73.27%Net loans and leases to core deposits
  • 76.51%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 9.08%Tier 1 risk-based capital ratio
  • 12.72%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $69,641Average earning assets
  • $6,998Average equity
  • $63,125Average loans

List of branches

  • 2 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0442021Trinity Bank3850 West Main Street, Suite 1000, Dothan, AL 36305Febuary 24, 2006Full Service Brick and Mortar
    1518764Enterprise Bank306 South Main Street, Enterprise, AL 36330April 19, 2011Full Service Brick and Mortar

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