FDIC Certificate #: 59 Status: Active Federal Reserve ID: 447034 Bank Holding Company (Regulatory Top Holder): Genala Banc, Inc. (RSSDID: 1139961, Location: Geneva, AL) Date Established: January 01, 1901 WWW:http://www.tcbgeneva.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 40 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 515 Commerce Street, Geneva, AL 36340 County: Geneva 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 Combined Statistical Area (CSA): Dothan-Enterprise-Ozark, AL (#222) Core Based Statistical Area (CBSA): Dothan, AL (#20020) CBSA Metro Statistical Area: Dothan, AL (#20020)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $168.6 mil Equity capital: $27.3 mil Deposits held in domestic offices: $140.7 mil Return on assets (ROA): 0.88% ($1.5 mil) Quarterly return on assets: 0.83% ($1.4 mil) Return on Equity (ROE): 5.51% ($1.5 mil) Quarterly return on equity: 5.13% ($1.4 mil) Net income: $1.5 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.08% ($1,821.0 mil) Quarterly Pretax return on assets: 0.64% ($1,079.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
25Total employees (full-time equivalent)
$168,611Total assets
$5,943Cash and due from depository institutions
$509Interest-bearing balances
$114,586Securities
$0Federal funds sold & reverse repurchase agreements
$44,574Net loans & leases
$1,183Loan loss allowance
$0Trading account assets
$494Bank premises and fixed assets
$950Other real estate owned
$0Goodwill and other intangibles
$168,611Life insurance assets
$2,064All other assets
$141,318Total liabilities and capital
$140,703Total liabilities
$131,003Total deposits
$140,703Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$615Subordinated debt
$27,293All other liabilities
$27,293Total equity capital
$27,293Total bank equity capital
$0Perpetual preferred stock
$444Common stock
$1,000Surplus
$25,849Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$947Income earned, not collected on loans
$0Earning assets
$1,398Long-term assets (5+ years)
$159,669Average Assets, year-to-date
$122,315Average Assets, quarterly
$169,504Volatile liabilities
$169,321Insider loans
$64,349FHLB advances
$170,167Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$27,034Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,056Restructured Loans and leases
$110Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,697Total interest income
$2,204Total interest expense
$5,493Net interest income
$1,565Provision for loan and lease losses
$626Total noninterest income
$0Fiduciary activities
$376Service charges on deposit accounts
$0Trading account gains & fees
$250Additional noninterest income
$2,750Total noninterest expense
$1,166Salaries and employee benefits
$217Premises and equipment expense
$1,367Additional noninterest expense
$1,804Pre-tax net operating income
$22Securities gains (losses)
$341Applicable income taxes
$1,485Income before extraordinary items
$0Extraordinary gains - net
$1,485Net income attributable to bank
$0Net charge-offs
$1,485Cash dividends
$1,697Sale, conversion, retirement of capital stock, net
$665Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
1.38%Cost of funding earning assets
3.44%Net interest margin
0.39%Noninterest income to earning assets
1.72%Noninterest expense to earning assets
0.87%Net operating income to assets
0.88%Return on assets (ROA)
1.08%Pretax return on assets
5.51%Return on equity (ROE)
3.04%Retained earnings to average equity (YTD only)
3.44%Net charge-offs to loans
92.22%Credit loss provision to net charge-offs
1.99%Efficiency ratio
44,942Assets per employee
6.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.78%Loss allowance to loans
2.59%Loss allowance to noncurrent loans
124.92%Noncurrent assets plus other real estate owned to assets
1.41%Noncurrent loans to loans
2.07%Net loans and leases to deposits
31.68%Net loans and leases to core deposits
33.55%Equity capital to assets
16.19%Core capital (leverage) ratio
15.89%Tier 1 risk-based capital ratio
42.01%Total risk-based capital ratio
Memoranda
$43Average assets
$169,504Average earning assets
$26,954Average equity
$159,700Average loans
List of branches
1 Alabama Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
40
The Citizens Bank
515 Commerce Street, Geneva, AL 36340
January 01, 1901
Full Service Brick and Mortar
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