St. Clair Federal Savings Bank in Pell City, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 17, 1996

  • St. Clair Federal Savings Bank in Pell City, Alabama (AL)
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St. Clair Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 30931
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National Bank of Commerce of Birmingham (#19526)
    Federal Reserve ID: 893378
    Date Established: January 01, 1956
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6133
    FDIC's unique #: 43765
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 11, 1957
    Last Structure Change Effective Date: October 17, 1996
    Last Structure Change Process Date: October 24, 1996
    Last Data Update: October 24, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 308 Martin Street North, Pell City, AL 35125
    County: St. Clair
    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: $79.3 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $32Total assets
  • $78,658Cash and due from depository institutions
  • $3,594Interest-bearing balances
  • $2,251Securities
  • $9,780Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $60,833Loan loss allowance
  • $812Trading account assets
  • $0Bank premises and fixed assets
  • $2,810Other real estate owned
  • $13Goodwill and other intangibles
  • $1,628Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $78,658Total liabilities
  • $72,944Total deposits
  • $69,830Interest-bearing deposits
  • $65,444Deposits held in domestic offices
  • 69830.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,500Subordinated debt
  • $0All other liabilities
  • $614Total equity capital
  • $614Total bank equity capital
  • $5,714Perpetual preferred stock
  • $0Common stock
  • $2Surplus
  • $1,724Undivided profits
  • Memoranda
  • $3,988Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $84Income earned, not collected on loans
  • $493Earning assets
  • $72,864Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $78,504Average Assets, quarterly
  • $78,702Volatile liabilities
  • $21,478Insider loans
  • $0FHLB advances
  • $2,500Loans and leases held for sale
  • $0Unused loan commitments
  • $4,544Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,702Total risk weighted assets
  • $50,802Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,326Total interest expense
  • $3,298Net interest income
  • $3,028Provision for loan and lease losses
  • $0Total noninterest income
  • $828Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $828Total noninterest expense
  • $2,185Salaries and employee benefits
  • $1,092Premises and equipment expense
  • $576Additional noninterest expense
  • $517Pre-tax net operating income
  • $1,671Securities gains (losses)
  • $29Applicable income taxes
  • $425Income before extraordinary items
  • $1,275Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,275Net charge-offs
  • -$9Cash dividends
  • $763Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.68%Cost of funding earning assets
  • 4.53%Net interest margin
  • 4.16%Noninterest income to earning assets
  • 1.14%Noninterest expense to earning assets
  • 3.00%Net operating income to assets
  • 1.60%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 2.17%Return on equity (ROE)
  • 22.58%Retained earnings to average equity (YTD only)
  • 9.07%Net charge-offs to loans
  • -0.01%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 56,665Assets per employee
  • 2.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.84%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 966.67%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 87.12%Net loans and leases to core deposits
  • 119.63%Equity capital to assets
  • 7.26%Core capital (leverage) ratio
  • 7.25%Tier 1 risk-based capital ratio
  • 11.22%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $78,504Average earning assets
  • $5,647Average equity
  • $72,867Average loans

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