First National Bank of Central Alabama

First National Bank of Central Alabama is headquartered in Aliceville and is the 37^th largest bank in the state of Alabama. It is also the 2,572^nd largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 60 employees at 5 locations. First National Bank of Central Alabama has a 2-star health rating.

Data for Q1 2012

Institution Statistics First National Bank of Central Alabama FDIC Certificate # 19468 BankRate Report View Year Established 1965 Employees 60 Primary Regulator OCC Assets and Liabilities Assets $250.34 million Loans $129.47 million Deposits $211.33 million Equity Capital $25.01 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $6.82 million Real Estate Owned $1.50 million Historic Data - March 2011 Assets $256.64 million Equity Capital $23.00 million Loan Loss Allowance $2.88 million Unbacked Noncurrent Loans $4.78 million Real Estate Owned $1.10 million Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets 0.61% Return on Equity 6.12% Interest Income $2.30 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First National Bank of Central Alabama had $8.31 million in non-current loans and owned real-estate with $27.44 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Central Alabama a Texas Ratio of 30.30% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank of Central Alabama increased slightly from 22.69% as of March 31, 2011 to 30.30% as of March 31, 2012, resulting in a negative change of 33.52%. This indicates that the balance sheet and financial strength for First National Bank of Central Alabama has declined slightly in recent periods. Deposit Growth In the past year, First National Bank of Central Alabama has decreased its total deposits by -$8.31 million, resulting in -3.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of Central Alabama has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of Central Alabama has $250.34 million in assets with $27.44 million in equity, resulting in a capitalization level of 10.96%, which is above average.

No reviews have been left for this bank yet. Be the first to review.