First State Bank of DeKalb County in city_name, state_name - Detailed Financial Reports, Location

First State Bank of DeKalb County in Fort Payne, Alabama (AL)
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First State Bank of DeKalb County routing number info

First State Bank of DeKalb County - Overview

General
FDIC Certificate #: 23815
Status: Active
Federal Reserve ID: 504535
Bank Holding Company (Regulatory Top Holder): First State Bancshares Of Dekalb County, Inc. (RSSDID: 2115449, Location: Fort Payne, AL)
Date Established: May 19, 1982
WWW: http://www.fsbdekalb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 16651
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: May 19, 1982
Last Structure Change Effective Date: Febuary 24, 2011
Last Structure Change Process Date: Febuary 24, 2011
Last Data Update: Febuary 24, 2011
Data Source Date: April 05, 2012
Location
Address: 2407 Gault Avenue North, Fort Payne, AL 35967
County: De Kalb
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
Core Based Statistical Area (CBSA): Fort Payne, AL (#22840)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $92.9 mil
Equity capital: $13.6 mil
Deposits held in domestic offices: $79.1 mil
Return on assets (ROA): 0.19% ($0.2 mil)
Quarterly return on assets: 0.75% ($0.7 mil)
Return on Equity (ROE): 1.27% ($0.2 mil)
Quarterly return on equity: 5.08% ($0.7 mil)
Net income: $0.2 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.28% ($260.1 mil)
Quarterly Pretax return on assets: 0.67% ($622.3 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
27Total employees (full-time equivalent)
$92,881Total assets
$17,953Cash and due from depository institutions
$13,439Interest-bearing balances
$21,192Securities
$1,000Federal funds sold & reverse repurchase agreements
$48,904Net loans & leases
$375Loan loss allowance
$0Trading account assets
$1,844Bank premises and fixed assets
$874Other real estate owned
$0Goodwill and other intangibles
$92,881Life insurance assets
$1,114All other assets
$79,255Total liabilities and capital
$79,074Total liabilities
$63,222Total deposits
$79,074Interest-bearing deposits
$66Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$181Subordinated debt
$13,626All other liabilities
$13,626Total equity capital
$13,626Total bank equity capital
$0Perpetual preferred stock
$55Common stock
$1,283Surplus
$12,288Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,203Income earned, not collected on loans
$0Earning assets
$465Long-term assets (5+ years)
$84,535Average Assets, year-to-date
$10,094Average Assets, quarterly
$91,848Volatile liabilities
$91,277Insider loans
$62,522FHLB advances
$90,704Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,534Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,894Restructured Loans and leases
$1,692Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,565Total interest income
$551Total interest expense
$3,014Net interest income
$265Provision for loan and lease losses
$374Total noninterest income
$0Fiduciary activities
$331Service charges on deposit accounts
$0Trading account gains & fees
$43Additional noninterest income
$2,959Total noninterest expense
$1,635Salaries and employee benefits
$439Premises and equipment expense
$885Additional noninterest expense
$164Pre-tax net operating income
$90Securities gains (losses)
$84Applicable income taxes
$170Income before extraordinary items
$0Extraordinary gains - net
$170Net income attributable to bank
$0Net charge-offs
$170Cash dividends
$409Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.21%Yield on earning assets
0.65%Cost of funding earning assets
3.56%Net interest margin
0.44%Noninterest income to earning assets
3.50%Noninterest expense to earning assets
0.12%Net operating income to assets
0.19%Return on assets (ROA)
0.28%Pretax return on assets
1.27%Return on equity (ROE)
1.27%Retained earnings to average equity (YTD only)
0.78%Net charge-offs to loans
64.79%Credit loss provision to net charge-offs
1.05%Efficiency ratio
87,338Assets per employee
3.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.76%Loss allowance to noncurrent loans
17.02%Noncurrent assets plus other real estate owned to assets
3.31%Noncurrent loans to loans
4.47%Net loans and leases to deposits
61.85%Net loans and leases to core deposits
75.53%Equity capital to assets
14.67%Core capital (leverage) ratio
14.92%Tier 1 risk-based capital ratio
21.65%Total risk-based capital ratio
Memoranda
$22Average assets
$91,848Average earning assets
$13,433Average equity
$84,656Average loans

List of branches

2 Alabama Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	16651	First State Bank Of Dekalb County	2407 Gault Avenue North, Fort Payne, AL 35967	May 19, 1982	Full Service Brick and Mortar
1	256745	Gault Avenue North Branch	2407 Gault Avenue North, Fort Payne, AL 35967	April 10, 1996	Full Service Brick and Mortar

First State Bank of DeKalb County in Fort Payne, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of DeKalb County - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank of DeKalb County in Fort Payne, Alabama (AL)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of DeKalb County - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank of DeKalb County in Fort Payne, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches