SouthTrust Bank of Randolph County, National Association in Roanoke, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 13, 1995

SouthTrust Bank of Randolph County, National Association in Roanoke, Alabama (AL)
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SouthTrust Bank of Randolph County, National Association - Overview

General
FDIC Certificate #: 9058
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: SouthTrust Bank (#849)
Federal Reserve ID: 562834
Date Established: January 01, 1931
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
FDIC's unique #: 5796
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 13, 1995
Last Structure Change Process Date: January 27, 1995
Last Data Update: January 27, 1995
Data Source Date: April 05, 2012
Location
Address: 204 East Main Street, Roanoke, AL 36274
County: Randolph
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
Financial Summary
Total assets: $46.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$20Total assets
$46,889Cash and due from depository institutions
$2,897Interest-bearing balances
$0Securities
$13,425Federal funds sold & reverse repurchase agreements
$1,525Net loans & leases
$27,723Loan loss allowance
$427Trading account assets
$0Bank premises and fixed assets
$428Other real estate owned
$271Goodwill and other intangibles
$620Life insurance assets
$0All other assets
$0Total liabilities and capital
$46,889Total liabilities
$42,550Total deposits
$41,889Interest-bearing deposits
$36,759Deposits held in domestic offices
41889.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$209Subordinated debt
$0All other liabilities
$452Total equity capital
$452Total bank equity capital
$4,339Perpetual preferred stock
$0Common stock
$100Surplus
$731Undivided profits
Memoranda
$3,508Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$87Income earned, not collected on loans
$227Earning assets
$42,673Long-term assets (5+ years)
$14,605Average Assets, year-to-date
$45,965Average Assets, quarterly
$46,166Volatile liabilities
$5,684Insider loans
$1,089FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,243Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,472Total risk weighted assets
$26,800Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$3,349Total interest expense
$1,308Net interest income
$2,041Provision for loan and lease losses
$10Total noninterest income
$367Fiduciary activities
$0Service charges on deposit accounts
$220Trading account gains & fees
$0Additional noninterest income
$147Total noninterest expense
$1,568Salaries and employee benefits
$644Premises and equipment expense
$94Additional noninterest expense
$830Pre-tax net operating income
$830Securities gains (losses)
$7Applicable income taxes
$229Income before extraordinary items
$608Extraordinary gains - net
$0Net income attributable to bank
$608Net charge-offs
$47Cash dividends
$288Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.88%Cost of funding earning assets
3.08%Net interest margin
4.80%Noninterest income to earning assets
0.86%Noninterest expense to earning assets
3.69%Net operating income to assets
1.31%Return on assets (ROA)
1.32%Pretax return on assets
1.82%Return on equity (ROE)
14.41%Retained earnings to average equity (YTD only)
7.58%Net charge-offs to loans
0.18%Credit loss provision to net charge-offs
21.28%Efficiency ratio
65,116Assets per employee
2.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.37%Loss allowance to loans
1.52%Loss allowance to noncurrent loans
490.80%Noncurrent assets plus other real estate owned to assets
0.76%Noncurrent loans to loans
0.31%Net loans and leases to deposits
66.18%Net loans and leases to core deposits
76.13%Equity capital to assets
9.25%Core capital (leverage) ratio
9.88%Tier 1 risk-based capital ratio
16.69%Total risk-based capital ratio
Memoranda
$18Average assets
$45,965Average earning assets
$4,219Average equity
$42,489Average loans

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