FDIC Certificate #: 58375 Status: Active Federal Reserve ID: 3488869 Bank Holding Company (Regulatory Top Holder): Vantage Bancshares, Inc. (RSSDID: 4169549, Location: Albertville, AL) Date Established: November 06, 2006 WWW:http://www.vantagebankal.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 #: 448878 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: Commercial Lending Specialization Date of Deposit Insurance: November 06, 2006 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: 407 North Broad Street, Albertville, AL 35950 County: Marshall 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): Albertville, AL (#10700) CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $75.9 mil Equity capital: $11.8 mil Deposits held in domestic offices: $63.9 mil Return on assets (ROA): 0.83% ($0.6 mil) Quarterly return on assets: 1.05% ($0.8 mil) Return on Equity (ROE): 5.47% ($0.7 mil) Quarterly return on equity: 6.78% ($0.8 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.29% ($979.7 mil) Quarterly Pretax return on assets: 1.45% ($1,101.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$75,946Total assets
$1,611Cash and due from depository institutions
$111Interest-bearing balances
$16,832Securities
$5,819Federal funds sold & reverse repurchase agreements
$48,261Net loans & leases
$573Loan loss allowance
$0Trading account assets
$2,651Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$75,946Life insurance assets
$772All other assets
$64,105Total liabilities and capital
$63,929Total liabilities
$55,912Total deposits
$63,929Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$176Subordinated debt
$11,841All other liabilities
$11,841Total equity capital
$11,841Total bank equity capital
$0Perpetual preferred stock
$1,059Common stock
$10,096Surplus
$686Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$69Income earned, not collected on loans
$0Earning assets
$311Long-term assets (5+ years)
$71,023Average Assets, year-to-date
$18,283Average Assets, quarterly
$74,744Volatile liabilities
$75,663Insider loans
$52,067FHLB advances
$75,126Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,415Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,662Restructured Loans and leases
$6,590Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,508Total interest income
$675Total interest expense
$2,833Net interest income
$177Provision for loan and lease losses
$265Total noninterest income
$0Fiduciary activities
$169Service charges on deposit accounts
$0Trading account gains & fees
$96Additional noninterest income
$1,960Total noninterest expense
$904Salaries and employee benefits
$245Premises and equipment expense
$811Additional noninterest expense
$961Pre-tax net operating income
$0Securities gains (losses)
$344Applicable income taxes
$617Income before extraordinary items
$0Extraordinary gains - net
$617Net income attributable to bank
$0Net charge-offs
$617Cash dividends
$154Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.02%Yield on earning assets
0.97%Cost of funding earning assets
4.06%Net interest margin
0.38%Noninterest income to earning assets
2.81%Noninterest expense to earning assets
0.83%Net operating income to assets
0.83%Return on assets (ROA)
1.29%Pretax return on assets
5.47%Return on equity (ROE)
5.47%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
114.94%Credit loss provision to net charge-offs
7.39%Efficiency ratio
63,267Assets per employee
4.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
830.43%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.14%Net loans and leases to deposits
75.49%Net loans and leases to core deposits
81.34%Equity capital to assets
15.59%Core capital (leverage) ratio
15.19%Tier 1 risk-based capital ratio
21.92%Total risk-based capital ratio
Memoranda
$23Average assets
$74,744Average earning assets
$11,285Average equity
$69,822Average loans
List of branches
1 Alabama Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
448878
Vantage Bank Of Alabama
407 North Broad Street, Albertville, AL 35950
November 06, 2006
Full Service Brick and Mortar
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