National Bank of Commerce of Birmingham in Birmingham, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 19, 2005

  • National Bank of Commerce of Birmingham in Birmingham, Alabama (AL)
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National Bank of Commerce of Birmingham - Overview

  • General
  • FDIC Certificate #: 19526
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First American Bank (#23577)
    Federal Reserve ID: 682732
    Date Established: December 06, 1965
    WWW: http://www.nbcbham.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 16 (Interstate: No)
    OTS Docket #: 12031
    FDIC's unique #: 13326
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: December 06, 1965
    Last Structure Change Effective Date: Febuary 19, 2005
    Last Structure Change Process Date: April 15, 2005
    Last Data Update: April 15, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 1927 First Avenue North, Birmingham, AL 35203
    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: $1,469.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)

  • Dollar figures in thousands
  • 403Total employees (full-time equivalent)
  • $1,469,314Total assets
  • $35,765Cash and due from depository institutions
  • $12,003Interest-bearing balances
  • $310,671Securities
  • $109,785Federal funds sold & reverse repurchase agreements
  • $949,351Net loans & leases
  • $12,142Loan loss allowance
  • $590Trading account assets
  • $16,205Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $46,947All other assets
  • $1,469,314Total liabilities and capital
  • $1,352,691Total liabilities
  • $853,642Total deposits
  • $744,505Interest-bearing deposits
  • $853,642Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $340,317Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $133,226Other borrowed funds
  • $0Subordinated debt
  • $25,506All other liabilities
  • $116,623Total equity capital
  • $116,623Total bank equity capital
  • $116,623Perpetual preferred stock
  • $0Common stock
  • $1,738Surplus
  • $38,954Undivided profits
  • Memoranda
  • $75,931Noncurrent loans and leases
  • $438,791Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,376Earning assets
  • $0Long-term assets (5+ years)
  • $3,711Average Assets, year-to-date
  • $1,382,400Average Assets, quarterly
  • $243,637Volatile liabilities
  • $1,403,499Insider loans
  • $1,446,059FHLB advances
  • $570,533Loans and leases held for sale
  • $11,091Unused loan commitments
  • $131,000Tier 1 (core) risk-based capital
  • $8,246Tier 2 risk-based capital
  • $4,286Total risk weighted assets
  • $438,791Total unused commitments
  • $0Restructured Loans and leases
  • $12,142Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $57,586Total interest income
  • $19,347Total interest expense
  • $38,239Net interest income
  • $1,095Provision for loan and lease losses
  • $38,884Total noninterest income
  • $2,343Fiduciary activities
  • $2,926Service charges on deposit accounts
  • $0Trading account gains & fees
  • $33,615Additional noninterest income
  • $53,836Total noninterest expense
  • $36,828Salaries and employee benefits
  • $5,000Premises and equipment expense
  • $12,008Additional noninterest expense
  • $22,192Pre-tax net operating income
  • $0Securities gains (losses)
  • $7,160Applicable income taxes
  • $15,032Income before extraordinary items
  • $0Extraordinary gains - net
  • $15,032Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $613Sale, conversion, retirement of capital stock, net
  • $7,350Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 1.49%Cost of funding earning assets
  • 2.94%Net interest margin
  • 2.99%Noninterest income to earning assets
  • 4.13%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 14.25%Return on equity (ROE)
  • 7.28%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 178.63%Credit loss provision to net charge-offs
  • 37.99%Efficiency ratio
  • 69,805Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.90%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 882.41%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 111.21%Net loans and leases to core deposits
  • 151.74%Equity capital to assets
  • 7.94%Core capital (leverage) ratio
  • 8.16%Tier 1 risk-based capital ratio
  • 10.88%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,403,499Average earning assets
  • $105,464Average equity
  • $1,302,480Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $772,852Managed Assets
  • 1Number of Accounts
  • $680,405Personal trust and agency accounts
  • $120,145Employee benefit-defined contribution accounts
  • $115,656Employee benefit-defined benefit accounts
  • $230,358Other retirement accounts
  • $5,905Corporate trust and agency accounts
  • $5,879Investment management agency accounts
  • $202,462Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 306Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $92,447Other retirement accounts
  • $5,009Corporate trust and agency accounts
  • $13,648Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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