Troy Bank & Trust Company in Troy, Alabama (AL)



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Troy Bank & Trust Company routing number info

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Troy Bank & Trust Company
GeneralFDIC 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
WWW: http://www.troybankandtrust.com
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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)121
Total assets$851,987
Cash and due from depository institutions$18,097
Interest-bearing balances$3,001
Securities$264,255
Federal funds sold & reverse repurchase agreements$46,430
Net loans & leases$478,079
Loan loss allowance $7,526
Trading account assets$0
Bank premises and fixed assets$6,114
Other real estate owned$13,381
Goodwill and other intangibles$2,892
All other assets$22,739
Life insurance assets$851,987
Total liabilities and capital$770,993
Total liabilities$714,380
Total deposits$691,136
Interest-bearing deposits$714,380
Deposits held in domestic offices$63
% insured (estimated)26604.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$24,000
Other borrowed funds $0
Subordinated debt $6,009
All other liabilities $80,994
Total equity capital$80,994
Total bank equity capital$80,994
Perpetual preferred stock$0
Common stock$201
Surplus$29,652
Undivided profits $51,141
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $133
Income earned, not collected on loans $21,032
Earning assets $0
Long-term assets (5+ years) $5,210
Average Assets, year-to-date $791,765
Average Assets, quarterly $305,722
Volatile liabilities $833,190
Insider loans $841,755
FHLB advances $549,836
Loans and leases held for sale $833,848
Unused loan commitments $8,541
Tier 1 (core) risk-based capital $8,541
Tier 2 risk-based capital $73,687
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $65,229
Derivatives$10,831
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $39,269
Total interest expense $14,345
Net interest income $24,924
Provision for loan and lease losses $8,833
Total noninterest income $4,490
Fiduciary activities $729
Service charges on deposit accounts $2,491
Trading account gains & fees $0
Additional noninterest income $1,270
Total noninterest expense $16,490
Salaries and employee benefits $8,312
Premises and equipment expense $2,041
Additional noninterest expense $6,137
Pre-tax net operating income $4,091
Securities gains (losses) $1,224
Applicable income taxes $651
Income before extraordinary items $4,664
Extraordinary gains - net $0
Net income attributable to bank $4,664
Net charge-offs $0
Cash dividends $4,664
Sale, conversion, retirement of capital stock, net $9,303
Net operating income $1,520
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.06%
Cost of funding earning assets 1.85%
Net interest margin 3.21%
Noninterest income to earning assets 0.58%
Noninterest expense to earning assets 2.12%
Net operating income to assets 0.43%
Return on assets (ROA) 0.56%
Pretax return on assets 0.64%
Return on equity (ROE) 5.93%
Retained earnings to average equity (YTD only) 4.00%
Net charge-offs to loans 1.84%
Credit loss provision to net charge-offs 94.95%
Efficiency ratio1.39%
Assets per employee$56,062
Cash dividends to net income (YTD only)7.04%
Condition Ratios (%)
Loss allowance to loans 32.59%
Loss allowance to noncurrent loans 1.55%
Noncurrent assets plus other real estate owned to assets 35.78%
Noncurrent loans to loans 4.04%
Net loans and leases to deposits4.33%
Net loans and leases to core deposits 66.92%
Equity capital to assets 76.08%
Core capital (leverage) ratio 9.51%
Tier 1 risk-based capital ratio 8.84%
Total risk-based capital ratio 13.40%
Memoranda
Average assets$15
Average earning assets$833,190
Average equity $78,672
Average loans $776,569
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$148,040
Number of Accounts1
Personal trust and agency accounts$135,707
Employee benefit-defined contribution accounts$78,454
Employee benefit-defined benefit accounts$0
Other retirement accounts$19,272
Corporate trust and agency accounts$196
Investment management agency accounts$12,577
Other fiduciary accounts$16,941
Fiduciary accounts held in foreign offices$5,427
Non-managed Assets$2,840
Number of Accounts243
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$196
Employee benefit-defined benefit accounts$0
Other retirement accounts$12,333
Corporate trust and agency accounts$1,151
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$10,019
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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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