FDIC Certificate #: 60 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BankTrust (#26607) Federal Reserve ID: 462738 Date Established: Febuary 05, 1912 WWW:http://www.banktrustbrewton.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 11765 FDIC's unique #: 41 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: November 01, 2003 Last Structure Change Process Date: January 22, 2004 Last Data Update: January 22, 2004 Data Source Date: April 05, 2012
Location
Address: 227 Belleville Avenue, Brewton, AL 36426 County: Escambia 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
Financial Summary
Total assets: $117.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
57Total employees (full-time equivalent)
$119,947Total assets
$6,186Cash and due from depository institutions
$0Interest-bearing balances
$32,089Securities
$5,450Federal funds sold & reverse repurchase agreements
$73,238Net loans & leases
$775Loan loss allowance
$0Trading account assets
$1,133Bank premises and fixed assets
$112Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,739All other assets
$119,947Total liabilities and capital
$104,117Total liabilities
$102,023Total deposits
$81,833Interest-bearing deposits
$102,023Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,036Other borrowed funds
$0Subordinated debt
$1,058All other liabilities
$15,830Total equity capital
$15,830Total bank equity capital
$15,830Perpetual preferred stock
$0Common stock
$150Surplus
$4,350Undivided profits
Memoranda
$11,330Noncurrent loans and leases
$14,299Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$357Earning assets
$3Long-term assets (5+ years)
$842Average Assets, year-to-date
$110,777Average Assets, quarterly
$33,213Volatile liabilities
$119,854Insider loans
$116,980FHLB advances
$15,458Loans and leases held for sale
$14,701Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$494Total risk weighted assets
$14,299Total unused commitments
$1,049Restructured Loans and leases
$775Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$6,806Total interest income
$1,911Total interest expense
$4,895Net interest income
$30Provision for loan and lease losses
$787Total noninterest income
$0Fiduciary activities
$645Service charges on deposit accounts
$0Trading account gains & fees
$142Additional noninterest income
$3,362Total noninterest expense
$1,939Salaries and employee benefits
$455Premises and equipment expense
$968Additional noninterest expense
$2,290Pre-tax net operating income
$45Securities gains (losses)
$586Applicable income taxes
$1,749Income before extraordinary items
$0Extraordinary gains - net
$1,749Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$105Sale, conversion, retirement of capital stock, net
$2,060Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.16%Yield on earning assets
1.73%Cost of funding earning assets
4.43%Net interest margin
0.71%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
1.43%Net operating income to assets
1.46%Return on assets (ROA)
1.95%Pretax return on assets
11.21%Return on equity (ROE)
-1.99%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
28.57%Credit loss provision to net charge-offs
22.10%Efficiency ratio
59,169Assets per employee
2.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
117.78%Loss allowance to loans
1.05%Loss allowance to noncurrent loans
217.09%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.48%Net loans and leases to deposits
71.79%Net loans and leases to core deposits
83.60%Equity capital to assets
13.20%Core capital (leverage) ratio
13.10%Tier 1 risk-based capital ratio
17.67%Total risk-based capital ratio
Memoranda
$19Average assets
$119,854Average earning assets
$15,604Average equity
$110,451Average loans
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