First National Bankers Bank, Alabama in city_name, state_name

First National Bankers Bank, Alabama in Homewood, Alabama (AL)
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First National Bankers Bank, Alabama - Overview

General
FDIC Certificate #: 57840
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Banker's Bank (#25247)
Federal Reserve ID: 3278387
Date Established: September 08, 2004
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 427740
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: September 08, 2004
Last Structure Change Effective Date: March 31, 2011
Last Structure Change Process Date: April 12, 2011
Last Data Update: April 12, 2011
Data Source Date: April 05, 2012
Location
Address: 600 University Park Place Suite 380, Homewood, AL 35209
County: Jefferson
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
Metropolitan Statistical Area (MSA): Birmingham, AL (#1000)
Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
Financial Summary
Total assets: $224.4 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, 2010)

Dollar figures in thousands
17Total employees (full-time equivalent)
$224,367Total assets
$65,180Cash and due from depository institutions
$64,377Interest-bearing balances
$0Securities
$3,825Federal funds sold & reverse repurchase agreements
$147,929Net loans & leases
$2,405Loan loss allowance
$0Trading account assets
$364Bank premises and fixed assets
$3,527Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,542All other assets
$224,367Total liabilities and capital
$186,182Total liabilities
$74,531Total deposits
$0Interest-bearing deposits
$74,531Deposits held in domestic offices
96.64%% insured (estimated)
$110,500Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,151All other liabilities
$38,185Total equity capital
$38,185Total bank equity capital
$38,185Perpetual preferred stock
$0Common stock
$673Surplus
$37,884Undivided profits
Memoranda
$-372Noncurrent loans and leases
$24,144Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$4,981Earning assets
$0Long-term assets (5+ years)
$582Average Assets, year-to-date
$216,131Average Assets, quarterly
$50,170Volatile liabilities
$286,611Insider loans
$240,190FHLB advances
$110,500Loans and leases held for sale
$3,085Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$24,144Total unused commitments
$2,227Restructured Loans and leases
$2,091Derivatives

Income and Expense (December 31, 2010)

Dollar figures in thousands
$8,155Total interest income
$331Total interest expense
$7,824Net interest income
$4,518Provision for loan and lease losses
$903Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$903Additional noninterest income
$4,207Total noninterest expense
$2,276Salaries and employee benefits
$366Premises and equipment expense
$1,565Additional noninterest expense
$2Pre-tax net operating income
$0Securities gains (losses)
-$48Applicable income taxes
$50Income before extraordinary items
$0Extraordinary gains - net
$50Net income attributable to bank
$0Net charge-offs
$50Cash dividends
$5,113Sale, conversion, retirement of capital stock, net
$952Net operating income

Performance and Condition Ratios (December 31, 2010)

Dollar figures in thousands
Performance Ratios (%, annualized)
2.93%Yield on earning assets
0.12%Cost of funding earning assets
2.81%Net interest margin
0.32%Noninterest income to earning assets
1.51%Noninterest expense to earning assets
0.02%Net operating income to assets
0.02%Return on assets (ROA)
0.00%Pretax return on assets
0.13%Return on equity (ROE)
-2.32%Retained earnings to average equity (YTD only)
3.08%Net charge-offs to loans
88.36%Credit loss provision to net charge-offs
0.88%Efficiency ratio
48,207Assets per employee
13.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
1904.00%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
48.28%Noncurrent assets plus other real estate owned to assets
3.79%Noncurrent loans to loans
3.31%Net loans and leases to deposits
198.48%Net loans and leases to core deposits
198.48%Equity capital to assets
17.02%Core capital (leverage) ratio
14.45%Tier 1 risk-based capital ratio
22.87%Total risk-based capital ratio
Memoranda
$24Average assets
$286,611Average earning assets
$38,942Average equity
$278,587Average loans

First National Bankers Bank, Alabama in Homewood, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bankers Bank, Alabama - Overview

Assets and Liabilities (December 31, 2010)

Income and Expense (December 31, 2010)

Performance and Condition Ratios (December 31, 2010)

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

First National Bankers Bank, Alabama in Homewood, Alabama (AL)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bankers Bank, Alabama - Overview

Assets and Liabilities (December 31, 2010)

Income and Expense (December 31, 2010)

Performance and Condition Ratios (December 31, 2010)

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

First National Bankers Bank, Alabama in Homewood, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches