The First National Bank and Trust in city_name, state_name - Detailed Financial Reports, Location

The First National Bank and Trust in Atmore, Alabama (AL)
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The First National Bank and Trust routing number info

The First National Bank and Trust - Overview

General
FDIC Certificate #: 2779
Status: Active
Federal Reserve ID: 670430
Bank Holding Company (Regulatory Top Holder): First Suncoast Trust Bancshares, Inc. (RSSDID: 1141302, Location: Atmore, AL)
Date Established: January 01, 1915
WWW: http://www.fnbandt.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 1813
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
Location
Address: 111 South Main Street, Atmore, AL 36502
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
History of Changes
Change in Location
Financial Summary
Total assets: $152.3 mil
Equity capital: $17.7 mil
Deposits held in domestic offices: $126.5 mil
Return on assets (ROA): 0.46% ($0.7 mil)
Quarterly return on assets: 0.65% ($1.0 mil)
Return on Equity (ROE): 4.16% ($0.7 mil)
Quarterly return on equity: 5.58% ($1.0 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.48% ($730.9 mil)
Quarterly Pretax return on assets: 0.65% ($989.7 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
54Total employees (full-time equivalent)
$152,268Total assets
$9,457Cash and due from depository institutions
$3,328Interest-bearing balances
$32,900Securities
$9,010Federal funds sold & reverse repurchase agreements
$87,636Net loans & leases
$1,342Loan loss allowance
$0Trading account assets
$5,616Bank premises and fixed assets
$1,287Other real estate owned
$0Goodwill and other intangibles
$152,268Life insurance assets
$6,362All other assets
$134,615Total liabilities and capital
$126,515Total liabilities
$93,241Total deposits
$126,515Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,750Trading liabilities
$0Other borrowed funds
$350Subordinated debt
$17,653All other liabilities
$17,653Total equity capital
$17,653Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$1,850Surplus
$15,653Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,951Income earned, not collected on loans
$0Earning assets
$972Long-term assets (5+ years)
$132,874Average Assets, year-to-date
$37,201Average Assets, quarterly
$151,782Volatile liabilities
$151,594Insider loans
$103,535FHLB advances
$150,827Loans and leases held for sale
$3,910Unused loan commitments
$3,910Tier 1 (core) risk-based capital
$16,987Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,213Restructured Loans and leases
$3,545Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,545Total interest income
$1,309Total interest expense
$5,236Net interest income
$577Provision for loan and lease losses
$1,660Total noninterest income
$363Fiduciary activities
$894Service charges on deposit accounts
$0Trading account gains & fees
$403Additional noninterest income
$5,640Total noninterest expense
$2,692Salaries and employee benefits
$640Premises and equipment expense
$2,308Additional noninterest expense
$679Pre-tax net operating income
$46Securities gains (losses)
$27Applicable income taxes
$698Income before extraordinary items
$0Extraordinary gains - net
$698Net income attributable to bank
$0Net charge-offs
$698Cash dividends
$547Sale, conversion, retirement of capital stock, net
$90Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.91%Yield on earning assets
0.98%Cost of funding earning assets
3.92%Net interest margin
1.24%Noninterest income to earning assets
4.23%Noninterest expense to earning assets
0.43%Net operating income to assets
0.46%Return on assets (ROA)
0.48%Pretax return on assets
4.16%Return on equity (ROE)
3.63%Retained earnings to average equity (YTD only)
0.59%Net charge-offs to loans
105.48%Credit loss provision to net charge-offs
2.30%Efficiency ratio
81,787Assets per employee
2.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
12.89%Loss allowance to loans
1.51%Loss allowance to noncurrent loans
22.55%Noncurrent assets plus other real estate owned to assets
4.75%Noncurrent loans to loans
6.69%Net loans and leases to deposits
69.27%Net loans and leases to core deposits
79.08%Equity capital to assets
11.59%Core capital (leverage) ratio
11.26%Tier 1 risk-based capital ratio
16.41%Total risk-based capital ratio
Memoranda
$18Average assets
$151,782Average earning assets
$16,767Average equity
$133,420Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$32,826Managed Assets
1Number of Accounts
$22,705Personal trust and agency accounts
$22,705Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
80Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$10,121Other retirement accounts
$7,664Corporate trust and agency accounts
$2,457Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Alabama Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1813	The First National Bank And Trust	111 South Main Street, Atmore, AL 36502	January 01, 1915	Full Service Brick and Mortar
1	194223	Lindberg Avenue Branch	104 Lindberg Avenue, Atmore, AL 36502	October 20, 1980	Limited Service Facility
2	17314	Atmore Branch	207 North Main Street, Atmore, AL 36502	Febuary 22, 1984	Limited Service Facility
3	464088	Excel Branch Of First National Bank	67 Highway 136 East, Excel, AL 36439	April 27, 2007	Full Service Brick and Mortar

The First National Bank and Trust in Atmore, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

The First National Bank and Trust in Atmore, Alabama (AL)Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

The First National Bank and Trust in Atmore, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches