FDIC Certificate #: 9057 Status: Active Federal Reserve ID: 586335 Bank Holding Company (Regulatory Top Holder): Moundville Bancshares, Inc. (RSSDID: 2317690, Location: Moundville, AL) Date Established: September 17, 1907 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 5795 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: Other Specialized Lending < 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: 319 Market St, Moundville, AL 35474 County: Hale 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 Core Based Statistical Area (CBSA): Tuscaloosa, AL (#46220) CBSA Metro Statistical Area: Tuscaloosa, AL (#46220)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $106.2 mil Equity capital: $9.4 mil Deposits held in domestic offices: $95.2 mil Return on assets (ROA): 0.83% ($0.9 mil) Quarterly return on assets: 0.53% ($0.6 mil) Return on Equity (ROE): 10.39% ($0.9 mil) Quarterly return on equity: 6.04% ($0.5 mil) Net income: $0.9 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.87% ($924.1 mil) Quarterly Pretax return on assets: 0.54% ($573.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$106,223Total assets
$5,367Cash and due from depository institutions
$1,475Interest-bearing balances
$69,516Securities
$3,215Federal funds sold & reverse repurchase agreements
$21,793Net loans & leases
$260Loan loss allowance
$0Trading account assets
$2,979Bank premises and fixed assets
$2,014Other real estate owned
$0Goodwill and other intangibles
$106,223Life insurance assets
$1,339All other assets
$96,865Total liabilities and capital
$95,168Total liabilities
$84,141Total deposits
$95,168Interest-bearing deposits
$75Deposits held in domestic offices
575.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$19Trading liabilities
$0Other borrowed funds
$1,103Subordinated debt
$9,358All other liabilities
$9,358Total equity capital
$9,358Total bank equity capital
$0Perpetual preferred stock
$478Common stock
$450Surplus
$8,430Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$192Income earned, not collected on loans
$0Earning assets
$743Long-term assets (5+ years)
$95,999Average Assets, year-to-date
$63,375Average Assets, quarterly
$104,140Volatile liabilities
$108,547Insider loans
$49,021FHLB advances
$104,934Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,185Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,165Restructured Loans and leases
$750Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,908Total interest income
$1,243Total interest expense
$2,665Net interest income
$20Provision for loan and lease losses
$348Total noninterest income
$0Fiduciary activities
$213Service charges on deposit accounts
$0Trading account gains & fees
$135Additional noninterest income
$2,265Total noninterest expense
$1,033Salaries and employee benefits
$310Premises and equipment expense
$922Additional noninterest expense
$728Pre-tax net operating income
$177Securities gains (losses)
$42Applicable income taxes
$863Income before extraordinary items
$0Extraordinary gains - net
$863Net income attributable to bank
$0Net charge-offs
$863Cash dividends
$29Sale, conversion, retirement of capital stock, net
$372Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.16%Yield on earning assets
1.32%Cost of funding earning assets
2.84%Net interest margin
0.37%Noninterest income to earning assets
2.41%Noninterest expense to earning assets
0.67%Net operating income to assets
0.83%Return on assets (ROA)
0.87%Pretax return on assets
10.39%Return on equity (ROE)
5.91%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
68.97%Credit loss provision to net charge-offs
25.79%Efficiency ratio
75,174Assets per employee
6.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.11%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
135.42%Noncurrent assets plus other real estate owned to assets
2.08%Noncurrent loans to loans
0.87%Net loans and leases to deposits
22.90%Net loans and leases to core deposits
26.31%Equity capital to assets
8.81%Core capital (leverage) ratio
7.80%Tier 1 risk-based capital ratio
16.70%Total risk-based capital ratio
Memoranda
$17Average assets
$104,140Average earning assets
$8,303Average equity
$93,840Average loans
List of branches
1 Alabama Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5795
Bank Of Moundville
319 Market St, Moundville, AL 35474
September 17, 1907
Full Service Brick and Mortar
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