BankTrust in Santa Rosa Beach, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 30, 2008

  • BankTrust in Santa Rosa Beach, Florida (FL)
  • Show street view No street view available for this location

BankTrust - Overview

  • General
  • FDIC Certificate #: 26979
    Status: Inactive
    Closing history: Name Change
    Acquiring institution: BankTrust (#26607)
    Federal Reserve ID: 913034
    Date Established: June 12, 1987
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Interstate: No)
    OTS Docket #: 14592
    FDIC's unique #: 36396
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 12, 1987
    Last Structure Change Effective Date: June 30, 2008
    Last Structure Change Process Date: July 23, 2008
    Last Data Update: July 23, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: Mack Bayou Road And U.S. Highway 98, Santa Rosa Beach, FL 32459
    County: Walton
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Pensacola
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merger - Without Assistance
    Name Change
  • Financial Summary
  • Total assets: $337.9 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, 2007)

  • Dollar figures in thousands
  • 89Total employees (full-time equivalent)
  • $334,295Total assets
  • $7,312Cash and due from depository institutions
  • $3,412Interest-bearing balances
  • $10,682Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $268,375Net loans & leases
  • $5,042Loan loss allowance
  • $0Trading account assets
  • $18,986Bank premises and fixed assets
  • $3,568Other real estate owned
  • $19,049Goodwill and other intangibles
  • $369Life insurance assets
  • $6,323All other assets
  • $334,295Total liabilities and capital
  • $277,890Total liabilities
  • $218,813Total deposits
  • $197,843Interest-bearing deposits
  • $218,813Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $42,500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $15,000Other borrowed funds
  • $0Subordinated debt
  • $1,577All other liabilities
  • $56,405Total equity capital
  • $56,405Total bank equity capital
  • $56,405Perpetual preferred stock
  • $0Common stock
  • $1,225Surplus
  • $45,561Undivided profits
  • Memoranda
  • $9,619Noncurrent loans and leases
  • $27,190Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $10,341Earning assets
  • $0Long-term assets (5+ years)
  • $1,708Average Assets, year-to-date
  • $282,469Average Assets, quarterly
  • $8,068Volatile liabilities
  • $364,505Insider loans
  • $344,229FHLB advances
  • $108,946Loans and leases held for sale
  • $9,291Unused loan commitments
  • $15,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $945Total risk weighted assets
  • $27,190Total unused commitments
  • $0Restructured Loans and leases
  • $3,717Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $25,723Total interest income
  • $13,215Total interest expense
  • $12,508Net interest income
  • $4,470Provision for loan and lease losses
  • $1,526Total noninterest income
  • $0Fiduciary activities
  • $1,082Service charges on deposit accounts
  • $0Trading account gains & fees
  • $444Additional noninterest income
  • $9,687Total noninterest expense
  • $3,964Salaries and employee benefits
  • $2,190Premises and equipment expense
  • $3,533Additional noninterest expense
  • -$123Pre-tax net operating income
  • $0Securities gains (losses)
  • -$186Applicable income taxes
  • $63Income before extraordinary items
  • $0Extraordinary gains - net
  • $63Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $4,453Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.26%Yield on earning assets
  • 4.24%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 0.02%Net operating income to assets
  • 0.02%Return on assets (ROA)
  • -0.03%Pretax return on assets
  • 0.11%Return on equity (ROE)
  • 0.11%Retained earnings to average equity (YTD only)
  • 1.57%Net charge-offs to loans
  • 100.38%Credit loss provision to net charge-offs
  • 0.98%Efficiency ratio
  • 65,890Assets per employee
  • 3.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 48.76%Noncurrent assets plus other real estate owned to assets
  • 4.16%Noncurrent loans to loans
  • 3.78%Net loans and leases to deposits
  • 122.65%Net loans and leases to core deposits
  • 160.35%Equity capital to assets
  • 16.87%Core capital (leverage) ratio
  • 11.26%Tier 1 risk-based capital ratio
  • 12.59%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $364,505Average earning assets
  • $56,776Average equity
  • $311,602Average loans

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