First Federal Savings and Loan Association of Chilton County in Clanton, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 1997

  • First Federal Savings and Loan Association of Chilton County in Clanton, Alabama (AL)
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First Federal Savings and Loan Association of Chilton County - Overview

  • General
  • FDIC Certificate #: 31411
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SouthFirst Bank (#30433)
    Federal Reserve ID: 230375
    Date Established: August 12, 1963
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6905
    FDIC's unique #: 44245
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: August 12, 1963
    Last Structure Change Effective Date: October 31, 1997
    Last Structure Change Process Date: November 19, 1997
    Last Data Update: November 19, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 5th St N, Clanton, AL 35045
    County: Chilton
    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
    Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
    Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
    CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
  • Financial Summary
  • Total assets: $73.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $16Total assets
  • $76,298Cash and due from depository institutions
  • $762Interest-bearing balances
  • $271Securities
  • $37,653Federal funds sold & reverse repurchase agreements
  • $750Net loans & leases
  • $34,262Loan loss allowance
  • $228Trading account assets
  • $0Bank premises and fixed assets
  • $1,107Other real estate owned
  • $65Goodwill and other intangibles
  • $1,699Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $76,298Total liabilities
  • $71,893Total deposits
  • $69,751Interest-bearing deposits
  • $69,495Deposits held in domestic offices
  • 69751.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,000Subordinated debt
  • $0All other liabilities
  • $142Total equity capital
  • $142Total bank equity capital
  • $4,405Perpetual preferred stock
  • $0Common stock
  • $2Surplus
  • $1,521Undivided profits
  • Memoranda
  • $2,882Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $499Income earned, not collected on loans
  • $304Earning assets
  • $72,936Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $74,999Average Assets, quarterly
  • $76,555Volatile liabilities
  • $12,078Insider loans
  • $43FHLB advances
  • $2,000Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,469Total risk weighted assets
  • $34,409Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,445Total interest expense
  • $3,834Net interest income
  • $1,611Provision for loan and lease losses
  • $113Total noninterest income
  • $247Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $247Total noninterest expense
  • $1,931Salaries and employee benefits
  • $665Premises and equipment expense
  • $301Additional noninterest expense
  • $965Pre-tax net operating income
  • -$186Securities gains (losses)
  • $10Applicable income taxes
  • -$87Income before extraordinary items
  • -$89Extraordinary gains - net
  • $0Net income attributable to bank
  • -$89Net charge-offs
  • $45Cash dividends
  • $47Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.66%Cost of funding earning assets
  • 5.40%Net interest margin
  • 2.27%Noninterest income to earning assets
  • 0.35%Noninterest expense to earning assets
  • 2.72%Net operating income to assets
  • -0.13%Return on assets (ROA)
  • -0.12%Pretax return on assets
  • -0.23%Return on equity (ROE)
  • -2.02%Retained earnings to average equity (YTD only)
  • -3.08%Net charge-offs to loans
  • 0.13%Credit loss provision to net charge-offs
  • 251.11%Efficiency ratio
  • 103,929Assets per employee
  • 4.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -52.81%Loss allowance to loans
  • 0.66%Loss allowance to noncurrent loans
  • 42.28%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 1.45%Net loans and leases to deposits
  • 49.12%Net loans and leases to core deposits
  • 57.42%Equity capital to assets
  • 5.77%Core capital (leverage) ratio
  • 5.85%Tier 1 risk-based capital ratio
  • 12.99%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $74,999Average earning assets
  • $4,412Average equity
  • $71,046Average loans
1
James Steven Hadder
⚠
I have found a pass book savings account in my name that was opened on November 3, 1970. Account number 2320, with a balance showing of $20.65 on March 24, 1973. My question is how do I access this account for withdrawal?
Thank you
James S Hadder

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