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

This bank is inactive as of January 13, 1995

  • SouthTrust Bank of Tuscaloosa County, National Association in Tuscaloosa, Alabama (AL)
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SouthTrust Bank of Tuscaloosa County, National Association - Overview

  • General
  • FDIC Certificate #: 23000
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SouthTrust Bank (#849)
    Federal Reserve ID: 494636
    Date Established: December 04, 1979
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    OTS Docket #: 10377
    FDIC's unique #: 16098
    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 04, 1979
    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: 1427 Greensboro Avenue, Tuscaloosa, AL 35401
    County: Tuscaloosa
    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): Tuscaloosa, AL (#8600)
    Core Based Statistical Area (CBSA): Tuscaloosa, AL (#46220)
    CBSA Metro Statistical Area: Tuscaloosa, AL (#46220)
  • Financial Summary
  • Total assets: $153.4 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)
  • $65Total assets
  • $153,438Cash and due from depository institutions
  • $5,527Interest-bearing balances
  • $0Securities
  • $17,489Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $123,033Loan loss allowance
  • $1,690Trading account assets
  • $0Bank premises and fixed assets
  • $4,907Other real estate owned
  • $149Goodwill and other intangibles
  • $1,411Life insurance assets
  • $922All other assets
  • $0Total liabilities and capital
  • $153,438Total liabilities
  • $142,787Total deposits
  • $127,657Interest-bearing deposits
  • $109,695Deposits held in domestic offices
  • 127657.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $11,926Trading liabilities
  • $0Other borrowed funds
  • $1,125Subordinated debt
  • $1,000All other liabilities
  • $1,079Total equity capital
  • $1,079Total bank equity capital
  • $10,651Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $5,750Undivided profits
  • Memoranda
  • $4,701Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,482Income earned, not collected on loans
  • $678Earning assets
  • $140,522Long-term assets (5+ years)
  • $6,377Average Assets, year-to-date
  • $141,710Average Assets, quarterly
  • $151,183Volatile liabilities
  • $29,256Insider loans
  • $3,778FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $18,669Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,987Total risk weighted assets
  • $120,513Total unused commitments
  • $0Restructured Loans and leases
  • $3,100Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $10,371Total interest expense
  • $4,408Net interest income
  • $5,963Provision for loan and lease losses
  • $426Total noninterest income
  • $1,198Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,039Trading account gains & fees
  • $0Additional noninterest income
  • $159Total noninterest expense
  • $4,350Salaries and employee benefits
  • $1,904Premises and equipment expense
  • $521Additional noninterest expense
  • $1,925Pre-tax net operating income
  • $2,385Securities gains (losses)
  • $0Applicable income taxes
  • $865Income before extraordinary items
  • $1,520Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,520Net charge-offs
  • $143Cash dividends
  • $340Sale, 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
  • 7.98%Cost of funding earning assets
  • 3.39%Net interest margin
  • 4.59%Noninterest income to earning assets
  • 0.92%Noninterest expense to earning assets
  • 3.35%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 1.68%Return on equity (ROE)
  • 15.70%Retained earnings to average equity (YTD only)
  • 12.19%Net charge-offs to loans
  • 0.12%Credit loss provision to net charge-offs
  • 297.90%Efficiency ratio
  • 59,950Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.37%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 114.04%Noncurrent assets plus other real estate owned to assets
  • 1.06%Noncurrent loans to loans
  • 1.19%Net loans and leases to deposits
  • 96.38%Net loans and leases to core deposits
  • 110.39%Equity capital to assets
  • 6.94%Core capital (leverage) ratio
  • 6.65%Tier 1 risk-based capital ratio
  • 8.29%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $141,710Average earning assets
  • $9,681Average equity
  • $129,984Average loans

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