FDIC Certificate #: 30079 Status: Active Federal Reserve ID: 802174 Bank Holding Company (Regulatory Top Holder): Uwharrie Capital Corp (RSSDID: 2082532, Location: Albemarle, NC) Date Established: January 01, 1889 WWW:http://www.ansonbankandtrust.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 4700 FDIC's unique #: 42913 Numeric code: 13 Regulator: FED 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: June 26, 1959 Last Structure Change Effective Date: December 15, 2008 Last Structure Change Process Date: June 05, 2009 Last Data Update: June 05, 2009 Data Source Date: April 05, 2012
Location
Address: 211 South Greene Street, Wadesboro, NC 28170 County: Anson Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Charlotte Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Southeast Combined Statistical Area (CSA): Charlotte-Gastonia-Salisbury, NC-SC (#172) Core Based Statistical Area (CBSA): Charlotte-Gastonia-Rock Hill, NC-SC (#16740) CBSA Metro Statistical Area: Charlotte-Gastonia-Rock Hill, NC-SC (#16740)
History of Changes
Change in Primary Regulatory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Change in Supervisory Agency
Financial Summary
Total assets: $56.8 mil Equity capital: $6.9 mil Deposits held in domestic offices: $47.2 mil Return on assets (ROA): 0.34% ($0.2 mil) Quarterly return on assets: 0.01% ($0.0 mil) Return on Equity (ROE): 3.04% ($0.2 mil) Quarterly return on equity: 0.06% ($0.0 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.50% ($284.1 mil) Quarterly Pretax return on assets: 0.08% ($45.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$56,830Total assets
$2,958Cash and due from depository institutions
$1,780Interest-bearing balances
$8,251Securities
$0Federal funds sold & reverse repurchase agreements
$40,276Net loans & leases
$1,001Loan loss allowance
$0Trading account assets
$1,273Bank premises and fixed assets
$1,368Other real estate owned
$987Goodwill and other intangibles
$56,830Life insurance assets
$1,717All other assets
$49,943Total liabilities and capital
$47,221Total liabilities
$41,081Total deposits
$47,221Interest-bearing deposits
$92Deposits held in domestic offices
1505.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$217Subordinated debt
$6,887All other liabilities
$6,887Total equity capital
$6,887Total bank equity capital
$1,800Perpetual preferred stock
$4,639Common stock
$0Surplus
$448Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$810Income earned, not collected on loans
$0Earning assets
$260Long-term assets (5+ years)
$50,307Average Assets, year-to-date
$22,097Average Assets, quarterly
$57,288Volatile liabilities
$57,144Insider loans
$36,295FHLB advances
$56,294Loans and leases held for sale
$624Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,710Tier 2 risk-based capital
$624Total risk weighted assets
$0Total unused commitments
$6,360Restructured Loans and leases
$3,639Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,749Total interest income
$440Total interest expense
$2,309Net interest income
$250Provision for loan and lease losses
$384Total noninterest income
$0Fiduciary activities
$223Service charges on deposit accounts
$0Trading account gains & fees
$161Additional noninterest income
$2,186Total noninterest expense
$445Salaries and employee benefits
$125Premises and equipment expense
$1,616Additional noninterest expense
$257Pre-tax net operating income
$31Securities gains (losses)
$91Applicable income taxes
$197Income before extraordinary items
$0Extraordinary gains - net
$197Net income attributable to bank
$0Net charge-offs
$197Cash dividends
$218Sale, conversion, retirement of capital stock, net
$81Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.39%Yield on earning assets
0.86%Cost of funding earning assets
4.53%Net interest margin
0.75%Noninterest income to earning assets
4.29%Noninterest expense to earning assets
0.31%Net operating income to assets
0.34%Return on assets (ROA)
0.50%Pretax return on assets
3.04%Return on equity (ROE)
1.79%Retained earnings to average equity (YTD only)
0.52%Net charge-offs to loans
114.68%Credit loss provision to net charge-offs
2.33%Efficiency ratio
81,173Assets per employee
7.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.12%Loss allowance to loans
2.43%Loss allowance to noncurrent loans
123.58%Noncurrent assets plus other real estate owned to assets
3.83%Noncurrent loans to loans
1.96%Net loans and leases to deposits
85.29%Net loans and leases to core deposits
99.92%Equity capital to assets
12.12%Core capital (leverage) ratio
10.14%Tier 1 risk-based capital ratio
15.73%Total risk-based capital ratio
Memoranda
$17Average assets
$57,288Average earning assets
$6,488Average equity
$50,972Average loans
List of branches
1 North Carolina Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42913
Anson Bank & Trust Co.
211 South Greene Street, Wadesboro, NC 28170
January 01, 1889
Full Service Brick and Mortar
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