Troy Bank & Trust Company in Troy, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Troy Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 5598
    Status: Active
    Federal Reserve ID: 134437
    Bank Holding Company (Regulatory Top Holder): Trust No. 3 Under The Will Of Charles Henderson (RSSDID: 1080139, Location: Troy, AL)
    Date Established: January 01, 1906
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 9810
    FDIC's unique #: 3811
    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: January 01, 1934
    Last Structure Change Effective Date: July 01, 2008
    Last Structure Change Process Date: September 24, 2008
    Last Data Update: September 24, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 Highway 231 South, Troy, AL 36081
    County: Pike
    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
    Core Based Statistical Area (CBSA): Troy, AL (#45980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $852.0 mil
    Equity capital: $81.0 mil
    Deposits held in domestic offices: $714.4 mil
    Return on assets (ROA): 0.56% ($4.8 mil)
    Quarterly return on assets: 0.65% ($5.5 mil)
    Return on Equity (ROE): 5.93% ($4.8 mil)
    Quarterly return on equity: 6.76% ($5.5 mil)
    Net income: $4.7 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 0.64% ($5,452.7 mil)
    Quarterly Pretax return on assets: 0.81% ($6,901.1 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
  • 121Total employees (full-time equivalent)
  • $851,987Total assets
  • $18,097Cash and due from depository institutions
  • $3,001Interest-bearing balances
  • $264,255Securities
  • $46,430Federal funds sold & reverse repurchase agreements
  • $478,079Net loans & leases
  • $7,526Loan loss allowance
  • $0Trading account assets
  • $6,114Bank premises and fixed assets
  • $13,381Other real estate owned
  • $2,892Goodwill and other intangibles
  • $851,987Life insurance assets
  • $22,739All other assets
  • $770,993Total liabilities and capital
  • $714,380Total liabilities
  • $691,136Total deposits
  • $714,380Interest-bearing deposits
  • $63Deposits held in domestic offices
  • 26604.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $24,000Trading liabilities
  • $0Other borrowed funds
  • $6,009Subordinated debt
  • $80,994All other liabilities
  • $80,994Total equity capital
  • $80,994Total bank equity capital
  • $0Perpetual preferred stock
  • $201Common stock
  • $29,652Surplus
  • $51,141Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $133Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21,032Income earned, not collected on loans
  • $0Earning assets
  • $5,210Long-term assets (5+ years)
  • $791,765Average Assets, year-to-date
  • $305,722Average Assets, quarterly
  • $833,190Volatile liabilities
  • $841,755Insider loans
  • $549,836FHLB advances
  • $833,848Loans and leases held for sale
  • $8,541Unused loan commitments
  • $8,541Tier 1 (core) risk-based capital
  • $73,687Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $65,229Restructured Loans and leases
  • $10,831Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $39,269Total interest income
  • $14,345Total interest expense
  • $24,924Net interest income
  • $8,833Provision for loan and lease losses
  • $4,490Total noninterest income
  • $729Fiduciary activities
  • $2,491Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,270Additional noninterest income
  • $16,490Total noninterest expense
  • $8,312Salaries and employee benefits
  • $2,041Premises and equipment expense
  • $6,137Additional noninterest expense
  • $4,091Pre-tax net operating income
  • $1,224Securities gains (losses)
  • $651Applicable income taxes
  • $4,664Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,664Net income attributable to bank
  • $0Net charge-offs
  • $4,664Cash dividends
  • $9,303Sale, conversion, retirement of capital stock, net
  • $1,520Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 1.85%Cost of funding earning assets
  • 3.21%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.12%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 5.93%Return on equity (ROE)
  • 4.00%Retained earnings to average equity (YTD only)
  • 1.84%Net charge-offs to loans
  • 94.95%Credit loss provision to net charge-offs
  • 1.39%Efficiency ratio
  • 56,062Assets per employee
  • 7.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.59%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 35.78%Noncurrent assets plus other real estate owned to assets
  • 4.04%Noncurrent loans to loans
  • 4.33%Net loans and leases to deposits
  • 66.92%Net loans and leases to core deposits
  • 76.08%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 8.84%Tier 1 risk-based capital ratio
  • 13.40%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $833,190Average earning assets
  • $78,672Average equity
  • $776,569Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $148,040Managed Assets
  • 1Number of Accounts
  • $135,707Personal trust and agency accounts
  • $78,454Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $19,272Other retirement accounts
  • $196Corporate trust and agency accounts
  • $12,577Investment management agency accounts
  • $16,941Other fiduciary accounts
  • $5,427Fiduciary accounts held in foreign offices
  • $2,840Non-managed Assets
  • 243Number of Accounts
  • $0Personal trust and agency accounts
  • $196Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $12,333Other retirement accounts
  • $1,151Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $10,019Fiduciary accounts held in foreign offices

List of branches

  • 9 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03811Troy Bank & Trust Company1000 Highway 231 South, Troy, AL 36081January 01, 1906Full Service Brick and Mortar
    2207853Goshen Farmers Branch301 Greenville Avenue, Goshen, AL 36035January 03, 1989Full Service Brick and Mortar
    3207854North Three Notch Street Branch300 North Three Notch Street, Troy, AL 36081September 08, 1992Full Service Brick and Mortar
    4423170Ariton Branch6 Atlantic Street, Ariton, AL 36311September 22, 2003Full Service Brick and Mortar
    5427749Brundidge Branch425 S.A. Graham Boulevard, Brundidge, AL 36010March 22, 2004Full Service Brick and Mortar
    6474329Highway 231 South Branch1429 Highway 231 South, Troy, AL 36081March 31, 2008Full Service Brick and Mortar
    755563Peoples Bank Of Coffee County - Elba429 North Claxton Avenue, Elba, AL 36323Febuary 18, 1995Full Service Brick and Mortar
    8247318New Brockton Branch108 Mckinnon Street, New Brockton, AL 36351March 05, 1969Full Service Brick and Mortar
    9440150Enterprise Bank1110 North Boll Weevil Circle, Suite C, Enterprise, AL 36330April 07, 2005Full Service Brick and Mortar

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