FDIC Certificate #: 13433 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Robertson Banking Company (#39) Federal Reserve ID: 320735 Date Established: May 12, 1914 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 8456 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: November 17, 1999 Last Structure Change Process Date: Febuary 09, 2000 Last Data Update: Febuary 09, 2000 Data Source Date: April 05, 2012
Location
Address: 216 West Second, Thomaston, AL 36783 County: Marengo 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
Financial Summary
Total assets: $19.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
11Total employees (full-time equivalent)
$18,236Total assets
$1,018Cash and due from depository institutions
$215Interest-bearing balances
$6,387Securities
$670Federal funds sold & reverse repurchase agreements
$8,979Net loans & leases
$110Loan loss allowance
$0Trading account assets
$621Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$561All other assets
$18,236Total liabilities and capital
$16,722Total liabilities
$16,637Total deposits
$15,032Interest-bearing deposits
$16,637Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$85All other liabilities
$1,514Total equity capital
$1,514Total bank equity capital
$1,514Perpetual preferred stock
$0Common stock
$150Surplus
$150Undivided profits
Memoranda
$1,214Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$95Earning assets
$0Long-term assets (5+ years)
$133Average Assets, year-to-date
$16,251Average Assets, quarterly
$4,092Volatile liabilities
$17,956Insider loans
$18,434FHLB advances
$2,510Loans and leases held for sale
$397Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$607Total unused commitments
$0Restructured Loans and leases
$9,297Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$1,317Total interest income
$681Total interest expense
$636Net interest income
$32Provision for loan and lease losses
$118Total noninterest income
$0Fiduciary activities
$90Service charges on deposit accounts
$0Trading account gains & fees
$28Additional noninterest income
$629Total noninterest expense
$339Salaries and employee benefits
$87Premises and equipment expense
$203Additional noninterest expense
$93Pre-tax net operating income
$4Securities gains (losses)
$12Applicable income taxes
$85Income before extraordinary items
$0Extraordinary gains - net
$85Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$19Sale, conversion, retirement of capital stock, net
$38Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.14%Yield on earning assets
4.21%Cost of funding earning assets
3.93%Net interest margin
0.73%Noninterest income to earning assets
3.89%Noninterest expense to earning assets
0.45%Net operating income to assets
0.47%Return on assets (ROA)
0.54%Pretax return on assets
5.62%Return on equity (ROE)
3.11%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
168.42%Credit loss provision to net charge-offs
6.58%Efficiency ratio
83,422Assets per employee
1.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.71%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
115.79%Noncurrent assets plus other real estate owned to assets
0.52%Noncurrent loans to loans
1.05%Net loans and leases to deposits
53.97%Net loans and leases to core deposits
63.56%Equity capital to assets
8.30%Core capital (leverage) ratio
8.14%Tier 1 risk-based capital ratio
16.08%Total risk-based capital ratio
Memoranda
$17Average assets
$17,956Average earning assets
$1,512Average equity
$16,183Average loans
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