Bryant Bank in Tuscaloosa, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bryant Bank - Overview

  • General
  • FDIC Certificate #: 57997
    Status: Active
    Federal Reserve ID: 3356191
    Date Established: June 10, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    FDIC's unique #: 433412
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 10, 2005
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1550 Mcfarland Boulevard North, Tuscaloosa, AL 35406
    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)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $951.1 mil
    Equity capital: $91.4 mil
    Deposits held in domestic offices: $781.0 mil
    Return on assets (ROA): 0.47% ($4.5 mil)
    Quarterly return on assets: 0.43% ($4.1 mil)
    Return on Equity (ROE): 5.04% ($4.6 mil)
    Quarterly return on equity: 4.61% ($4.2 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 0.47% ($4,470.1 mil)
    Quarterly Pretax return on assets: 0.43% ($4,089.6 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, 2011)

  • Dollar figures in thousands
  • 159Total employees (full-time equivalent)
  • $951,078Total assets
  • $70,022Cash and due from depository institutions
  • $60,257Interest-bearing balances
  • $242,804Securities
  • $14,902Federal funds sold & reverse repurchase agreements
  • $562,540Net loans & leases
  • $9,305Loan loss allowance
  • $0Trading account assets
  • $34,178Bank premises and fixed assets
  • $10,661Other real estate owned
  • $0Goodwill and other intangibles
  • $951,078Life insurance assets
  • $15,971All other assets
  • $859,637Total liabilities and capital
  • $780,978Total liabilities
  • $632,674Total deposits
  • $780,978Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 70696.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $7,963Subordinated debt
  • $91,441All other liabilities
  • $91,441Total equity capital
  • $91,441Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $86,961Surplus
  • $4,280Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,537Income earned, not collected on loans
  • $0Earning assets
  • $3,579Long-term assets (5+ years)
  • $880,503Average Assets, year-to-date
  • $242,882Average Assets, quarterly
  • $940,803Volatile liabilities
  • $969,877Insider loans
  • $662,665FHLB advances
  • $988,889Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $91,377Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $127,203Restructured Loans and leases
  • $686Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $35,925Total interest income
  • $5,940Total interest expense
  • $29,985Net interest income
  • $5,176Provision for loan and lease losses
  • $3,317Total noninterest income
  • $0Fiduciary activities
  • $1,161Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,156Additional noninterest income
  • $23,678Total noninterest expense
  • $10,517Salaries and employee benefits
  • $3,863Premises and equipment expense
  • $9,298Additional noninterest expense
  • $4,448Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $4,448Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,448Net income attributable to bank
  • $0Net charge-offs
  • $4,448Cash dividends
  • $6,548Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 5.04%Return on equity (ROE)
  • 5.04%Retained earnings to average equity (YTD only)
  • 1.14%Net charge-offs to loans
  • 79.05%Credit loss provision to net charge-offs
  • 1.47%Efficiency ratio
  • 71,101Assets per employee
  • 5.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 64.01%Noncurrent assets plus other real estate owned to assets
  • 2.65%Noncurrent loans to loans
  • 2.54%Net loans and leases to deposits
  • 72.03%Net loans and leases to core deposits
  • 87.69%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 9.24%Tier 1 risk-based capital ratio
  • 13.79%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $940,803Average earning assets
  • $88,293Average equity
  • $838,888Average loans

List of branches

  • 13 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0433412Bryant Bank1550 Mcfarland Boulevard North, Tuscaloosa, AL 35406June 10, 2005Full Service Brick and Mortar
    1457012280 Branch5319 U.S. Hwy 280, Birmingham, AL 35242November 14, 2005Full Service Brick and Mortar
    2464031Foley Branch1502 North Mckenzie Street, Foley, AL 36535April 23, 2007Full Service Brick and Mortar
    3466487Homewood Branch1919 28th Avenue South, Birmingham, AL 35209April 18, 2007Full Service Brick and Mortar
    4468439Cahaba Village Branch2700 Cahaba Village Plz, Birmingham, AL 35243April 18, 2007Full Service Brick and Mortar
    5470755Mountain Brook Village Branch2711 Culver Rd, Mountain Brook, AL 35223November 06, 2007Full Service Brick and Mortar
    6470756Daphne Branch1801 Us Highway 98, Daphne, AL 36526January 16, 2008Full Service Brick and Mortar
    7479354Trussville Branch137 Main Street, Trussville, AL 35173June 23, 2008Full Service Retail
    8479355Northport Branch2001 Lurleen Wallace Boulevard, Northport, AL 35476January 18, 2008Full Service Retail
    9479356Huntsville Branch415 Church Street, Suite H, Huntsville, AL 35801October 26, 2007Full Service Retail
    10479357Columbiana Branch21290 Highway 25, Columbiana, AL 35051November 06, 2007Full Service Retail
    11482177Highway 150 Branch2721 John Hawkins Parkway, Hoover, AL 35244September 15, 2008Full Service Brick and Mortar
    12486584North River Branch1755 New Watermelon Rd, Tuscaloosa, AL 35406December 29, 2008Full Service Brick and Mortar

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