The First National Bank of Greenville in Greenville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 04, 1998

The First National Bank of Greenville in Greenville, Alabama (AL)
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The First National Bank of Greenville - Overview

General
FDIC Certificate #: 2802
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Whitney National Bank (#18538)
Federal Reserve ID: 321639
Date Established: January 01, 1896
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Interstate: No)
OTS Docket #: 13244
FDIC's unique #: 1828
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 04, 1998
Last Structure Change Process Date: Febuary 03, 1999
Last Data Update: Febuary 03, 1999
Data Source Date: April 05, 2012
Location
Address: 100 Commerce Street, Greenville, AL 36037
County: Butler
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Dallas
FDIC Field Office: Montgomery
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $114.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
55Total employees (full-time equivalent)
$116,921Total assets
$3,432Cash and due from depository institutions
$6Interest-bearing balances
$63,505Securities
$2,250Federal funds sold & reverse repurchase agreements
$40,871Net loans & leases
$263Loan loss allowance
$0Trading account assets
$1,000Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$5,863All other assets
$116,921Total liabilities and capital
$103,553Total liabilities
$102,387Total deposits
$83,491Interest-bearing deposits
$102,387Deposits held in domestic offices
0.00%% insured (estimated)
$83Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,083All other liabilities
$13,368Total equity capital
$13,368Total bank equity capital
$13,368Perpetual preferred stock
$0Common stock
$156Surplus
$1,216Undivided profits
Memoranda
$11,996Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$162Earning assets
$0Long-term assets (5+ years)
$299Average Assets, year-to-date
$106,632Average Assets, quarterly
$11,193Volatile liabilities
$115,084Insider loans
$116,209FHLB advances
$4,811Loans and leases held for sale
$558Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,053Total unused commitments
$0Restructured Loans and leases
$48,866Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$7,611Total interest income
$3,335Total interest expense
$4,276Net interest income
$163Provision for loan and lease losses
$891Total noninterest income
$12Fiduciary activities
$651Service charges on deposit accounts
$0Trading account gains & fees
$228Additional noninterest income
$3,130Total noninterest expense
$1,773Salaries and employee benefits
$430Premises and equipment expense
$927Additional noninterest expense
$1,874Pre-tax net operating income
$2Securities gains (losses)
$595Applicable income taxes
$1,281Income before extraordinary items
$0Extraordinary gains - net
$1,281Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$113Sale, conversion, retirement of capital stock, net
$283Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.25%Yield on earning assets
3.18%Cost of funding earning assets
4.07%Net interest margin
0.85%Noninterest income to earning assets
2.98%Noninterest expense to earning assets
1.11%Net operating income to assets
1.11%Return on assets (ROA)
1.63%Pretax return on assets
10.03%Return on equity (ROE)
7.82%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
144.25%Credit loss provision to net charge-offs
18.03%Efficiency ratio
60,577Assets per employee
2.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.09%Loss allowance to loans
0.64%Loss allowance to noncurrent loans
162.35%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.39%Net loans and leases to deposits
39.92%Net loans and leases to core deposits
41.85%Equity capital to assets
11.43%Core capital (leverage) ratio
11.22%Tier 1 risk-based capital ratio
26.81%Total risk-based capital ratio
Memoranda
$27Average assets
$115,084Average earning assets
$12,769Average equity
$105,027Average loans

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