First American Bank of Pelham in city_name, state_name - Detailed Financial Reports, Location

First American Bank of Pelham in Pelham, Alabama (AL)
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First American Bank of Pelham - Overview

General
FDIC Certificate #: 22216
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: National Bank of Commerce of Birmingham (#19526)
Federal Reserve ID: 467032
Date Established: Febuary 02, 1976
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Interstate: No)
OTS Docket #: 9762
FDIC's unique #: 15435
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: Febuary 02, 1976
Last Structure Change Effective Date: April 15, 1994
Last Structure Change Process Date: April 28, 1994
Last Data Update: April 28, 1994
Data Source Date: April 05, 2012
Location
Address: Us Highway 31 And County Highway 105, Pelham, AL 35124
County: Shelby
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: $18.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$15Total assets
$17,556Cash and due from depository institutions
$1,254Interest-bearing balances
$0Securities
$4,330Federal funds sold & reverse repurchase agreements
$1,892Net loans & leases
$8,661Loan loss allowance
$233Trading account assets
$0Bank premises and fixed assets
$850Other real estate owned
$390Goodwill and other intangibles
$179Life insurance assets
$0All other assets
$0Total liabilities and capital
$17,556Total liabilities
$16,289Total deposits
$16,209Interest-bearing deposits
$12,267Deposits held in domestic offices
16209.00%% insured (estimated)
$78Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$80Total equity capital
$80Total bank equity capital
$1,267Perpetual preferred stock
$0Common stock
$525Surplus
$717Undivided profits
Memoranda
$25Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$255Income earned, not collected on loans
$87Earning assets
$14,883Long-term assets (5+ years)
$128Average Assets, year-to-date
$17,955Average Assets, quarterly
$17,754Volatile liabilities
$1,940Insider loans
$510FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,027Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,267Total risk weighted assets
$10,921Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$1,169Total interest expense
$500Net interest income
$669Provision for loan and lease losses
$168Total noninterest income
$229Fiduciary activities
$0Service charges on deposit accounts
$154Trading account gains & fees
$0Additional noninterest income
$75Total noninterest expense
$952Salaries and employee benefits
$427Premises and equipment expense
$178Additional noninterest expense
$347Pre-tax net operating income
-$222Securities gains (losses)
$49Applicable income taxes
$0Income before extraordinary items
-$173Extraordinary gains - net
$0Net income attributable to bank
-$173Net charge-offs
$69Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.75%Cost of funding earning assets
3.31%Net interest margin
4.43%Noninterest income to earning assets
1.52%Noninterest expense to earning assets
6.31%Net operating income to assets
-1.24%Return on assets (ROA)
-0.96%Pretax return on assets
-0.96%Return on equity (ROE)
-12.62%Retained earnings to average equity (YTD only)
-12.62%Net charge-offs to loans
0.69%Credit loss provision to net charge-offs
243.48%Efficiency ratio
106,013Assets per employee
1.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.62%Loss allowance to noncurrent loans
91.37%Noncurrent assets plus other real estate owned to assets
3.67%Noncurrent loans to loans
2.87%Net loans and leases to deposits
53.43%Net loans and leases to core deposits
60.70%Equity capital to assets
7.22%Core capital (leverage) ratio
6.93%Tier 1 risk-based capital ratio
11.60%Total risk-based capital ratio
Memoranda
$13Average assets
$17,955Average earning assets
$1,371Average equity
$15,091Average loans

First American Bank of Pelham in Pelham, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First American Bank of Pelham - Overview

Assets and Liabilities (December 31, 1993)

Income and Expense (December 31, 1993)

Performance and Condition Ratios (December 31, 1993)

Comment about this bank, ask questions, or add new information about it:

First American Bank of Pelham in Pelham, Alabama (AL)Overview, Financial Summary, Detailed Financial Reports, Branches

First American Bank of Pelham - Overview

Assets and Liabilities (December 31, 1993)

Income and Expense (December 31, 1993)

Performance and Condition Ratios (December 31, 1993)

Comment about this bank, ask questions, or add new information about it:

First American Bank of Pelham in Pelham, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches