FDIC Certificate #: 9613 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BankTrust (#26607) Federal Reserve ID: 375735 Date Established: January 01, 1926 WWW:http://www.banktrustal.net Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) OTS Docket #: 13669 FDIC's unique #: 6141 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: January 01, 1934 Last Structure Change Effective Date: May 11, 2007 Last Structure Change Process Date: May 21, 2007 Last Data Update: May 21, 2007 Data Source Date: April 05, 2012
Location
Address: 218-220 East Broad Street, Eufaula, AL 36027 County: Barbour 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): Eufaula, AL-GA (#21640) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $268.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
78Total employees (full-time equivalent)
$259,308Total assets
$4,755Cash and due from depository institutions
$1Interest-bearing balances
$15,536Securities
$20,491Federal funds sold & reverse repurchase agreements
$181,775Net loans & leases
$2,736Loan loss allowance
$0Trading account assets
$6,136Bank premises and fixed assets
$1,250Other real estate owned
$21,317Goodwill and other intangibles
$4,550Life insurance assets
$8,048All other assets
$259,308Total liabilities and capital
$217,708Total liabilities
$206,916Total deposits
$178,677Interest-bearing deposits
$206,916Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$6,500Other borrowed funds
$0Subordinated debt
$4,292All other liabilities
$41,600Total equity capital
$41,600Total bank equity capital
$41,600Perpetual preferred stock
$0Common stock
$1Surplus
$37,575Undivided profits
Memoranda
$4,024Noncurrent loans and leases
$30,160Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$114Earning assets
$0Long-term assets (5+ years)
$1,499Average Assets, year-to-date
$217,803Average Assets, quarterly
$10,305Volatile liabilities
$247,132Insider loans
$252,883FHLB advances
$47,856Loans and leases held for sale
$6,200Unused loan commitments
$6,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$895Total risk weighted assets
$30,160Total unused commitments
$0Restructured Loans and leases
$2,577Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$16,032Total interest income
$6,854Total interest expense
$9,178Net interest income
$950Provision for loan and lease losses
$2,504Total noninterest income
$0Fiduciary activities
$1,524Service charges on deposit accounts
$0Trading account gains & fees
$980Additional noninterest income
$6,480Total noninterest expense
$3,246Salaries and employee benefits
$726Premises and equipment expense
$2,508Additional noninterest expense
$4,252Pre-tax net operating income
-$44Securities gains (losses)
$1,268Applicable income taxes
$2,940Income before extraordinary items
$0Extraordinary gains - net
$2,940Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,096Sale, conversion, retirement of capital stock, net
$1,100Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.77%Yield on earning assets
3.32%Cost of funding earning assets
4.45%Net interest margin
1.21%Noninterest income to earning assets
3.14%Noninterest expense to earning assets
1.20%Net operating income to assets
1.19%Return on assets (ROA)
1.70%Pretax return on assets
7.25%Return on equity (ROE)
4.54%Retained earnings to average equity (YTD only)
0.60%Net charge-offs to loans
86.68%Credit loss provision to net charge-offs
4.75%Efficiency ratio
52,833Assets per employee
3.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.41%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
2400.00%Noncurrent assets plus other real estate owned to assets
0.53%Noncurrent loans to loans
0.06%Net loans and leases to deposits
87.85%Net loans and leases to core deposits
114.28%Equity capital to assets
16.04%Core capital (leverage) ratio
8.82%Tier 1 risk-based capital ratio
9.82%Total risk-based capital ratio
Memoranda
$11Average assets
$247,132Average earning assets
$40,559Average equity
$206,242Average loans
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