FDIC Certificate #: 16607 Status: Active Federal Reserve ID: 561239 Date Established: August 21, 1947 WWW:http://www.bankofpinehill.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 16022 FDIC's unique #: 10749 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: August 21, 1947 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 3939 Broad Street, Pine Hill, AL 36769 County: Wilcox 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $25.2 mil Equity capital: $3.4 mil Deposits held in domestic offices: $21.3 mil Return on assets (ROA): 0.18% ($0.0 mil) Quarterly return on assets: 0.11% ($0.0 mil) Return on Equity (ROE): 1.46% ($0.0 mil) Quarterly return on equity: 0.82% ($0.0 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.19% ($47.9 mil) Quarterly Pretax return on assets: 0.09% ($22.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$25,210Total assets
$834Cash and due from depository institutions
$117Interest-bearing balances
$17,416Securities
$625Federal funds sold & reverse repurchase agreements
$5,415Net loans & leases
$145Loan loss allowance
$0Trading account assets
$292Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$25,210Life insurance assets
$628All other assets
$21,852Total liabilities and capital
$21,304Total liabilities
$18,674Total deposits
$21,304Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$500Trading liabilities
$0Other borrowed funds
$48Subordinated debt
$3,358All other liabilities
$3,358Total equity capital
$3,358Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$700Surplus
$2,558Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$452Income earned, not collected on loans
$0Earning assets
$236Long-term assets (5+ years)
$23,573Average Assets, year-to-date
$14,962Average Assets, quarterly
$25,575Volatile liabilities
$25,321Insider loans
$11,063FHLB advances
$25,309Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,198Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$512Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$936Total interest income
$301Total interest expense
$635Net interest income
$0Provision for loan and lease losses
$118Total noninterest income
$0Fiduciary activities
$96Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$762Total noninterest expense
$314Salaries and employee benefits
$263Premises and equipment expense
$185Additional noninterest expense
-$9Pre-tax net operating income
$57Securities gains (losses)
$1Applicable income taxes
$47Income before extraordinary items
$0Extraordinary gains - net
$47Net income attributable to bank
$0Net charge-offs
$47Cash dividends
$0Sale, conversion, retirement of capital stock, net
$60Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.94%Yield on earning assets
1.27%Cost of funding earning assets
2.67%Net interest margin
0.50%Noninterest income to earning assets
3.20%Noninterest expense to earning assets
-0.03%Net operating income to assets
0.18%Return on assets (ROA)
0.19%Pretax return on assets
1.46%Return on equity (ROE)
-0.40%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
101,195Assets per employee
2.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
127.66%Loss allowance to loans
2.61%Loss allowance to noncurrent loans
32.08%Noncurrent assets plus other real estate owned to assets
1.79%Noncurrent loans to loans
8.13%Net loans and leases to deposits
25.42%Net loans and leases to core deposits
25.42%Equity capital to assets
13.32%Core capital (leverage) ratio
12.64%Tier 1 risk-based capital ratio
28.91%Total risk-based capital ratio
Memoranda
$30Average assets
$25,575Average earning assets
$3,220Average equity
$23,783Average loans
List of branches
1 Alabama Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10749
Bank Of Pine Hill
3939 Broad Street, Pine Hill, AL 36769
August 21, 1947
Full Service Brick and Mortar
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