Cedar Hill National Bank in Charlotte, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Cedar Hill National Bank in Charlotte, North Carolina (NC)
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Cedar Hill National Bank - Overview

  • General
  • FDIC Certificate #: 34478
    Status: Active
    Federal Reserve ID: 2651899
    Date Established: Febuary 02, 1998
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 57669
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: Febuary 02, 1998
    Last Structure Change Effective Date: June 13, 2011
    Last Structure Change Process Date: June 30, 2011
    Last Data Update: June 30, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 9401 Southern Pine Blvd., Suite P, Charlotte, NC 28273
    County: Mecklenburg
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Charlotte-Gastonia-Rock Hill, NC-SC (#1520)
    Combined Statistical Area (CSA): Charlotte-Gastonia-Salisbury, NC-SC (#172)
    Core Based Statistical Area (CBSA): Charlotte-Gastonia-Rock Hill, NC-SC (#16740)
    CBSA Metro Statistical Area: Charlotte-Gastonia-Rock Hill, NC-SC (#16740)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $11.3 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $2.0 mil
    Return on assets (ROA): 5.37% ($0.6 mil)
    Quarterly return on assets: 5.72% ($0.6 mil)
    Return on Equity (ROE): 6.97% ($0.6 mil)
    Quarterly return on equity: 7.58% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 8.76% ($993.8 mil)
    Quarterly Pretax return on assets: 9.34% ($1,059.6 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, 2011)

  • Dollar figures in thousands
  • 33Total employees (full-time equivalent)
  • $11,345Total assets
  • $2,207Cash and due from depository institutions
  • $1,448Interest-bearing balances
  • $7,885Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $153Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $11,344Life insurance assets
  • $954All other assets
  • $2,588Total liabilities and capital
  • $2,000Total liabilities
  • $2,000Total deposits
  • $2,000Interest-bearing deposits
  • $13Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $588Subordinated debt
  • $8,756All other liabilities
  • $8,756Total equity capital
  • $8,756Total bank equity capital
  • $2,275Perpetual preferred stock
  • $2,338Common stock
  • $4,071Surplus
  • $72Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $146Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $9,479Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $11,279Volatile liabilities
  • $11,477Insider loans
  • $4,630FHLB advances
  • $11,297Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,684Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $117,904Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $74Total interest income
  • $9Total interest expense
  • $65Net interest income
  • $0Provision for loan and lease losses
  • $3,684Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,684Additional noninterest income
  • $2,761Total noninterest expense
  • $1,099Salaries and employee benefits
  • $265Premises and equipment expense
  • $1,397Additional noninterest expense
  • $988Pre-tax net operating income
  • $0Securities gains (losses)
  • $382Applicable income taxes
  • $606Income before extraordinary items
  • $0Extraordinary gains - net
  • $606Net income attributable to bank
  • $0Net charge-offs
  • $606Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.78%Yield on earning assets
  • 0.09%Cost of funding earning assets
  • 0.68%Net interest margin
  • 38.77%Noninterest income to earning assets
  • 29.06%Noninterest expense to earning assets
  • 5.37%Net operating income to assets
  • 5.37%Return on assets (ROA)
  • 8.76%Pretax return on assets
  • 6.97%Return on equity (ROE)
  • 1.22%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 73,646Assets per employee
  • 0.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.51%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 7.30%Net loans and leases to core deposits
  • 7.30%Equity capital to assets
  • 77.18%Core capital (leverage) ratio
  • 76.87%Tier 1 risk-based capital ratio
  • 187.56%Total risk-based capital ratio
  • Memoranda
  • $188Average assets
  • $11,279Average earning assets
  • $8,698Average equity
  • $9,502Average loans

List of branches

  • 1 North Carolina Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057669Cedar Hill National Bank9401 Southern Pine Blvd., Suite P, Charlotte, NC 28273Febuary 02, 1998Full Service Brick and Mortar

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