First National Bankers Bank, Alabama in Homewood, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 2011

  • First National Bankers Bank, Alabama in Homewood, Alabama (AL)
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First National Bankers Bank, Alabama - Overview

  • General
  • FDIC Certificate #: 57840
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Banker's Bank (#25247)
    Federal Reserve ID: 3278387
    Date Established: September 08, 2004
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 427740
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: September 08, 2004
    Last Structure Change Effective Date: March 31, 2011
    Last Structure Change Process Date: April 12, 2011
    Last Data Update: April 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 University Park Place Suite 380, Homewood, AL 35209
    County: Jefferson
    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: $224.4 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, 2010)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $224,367Total assets
  • $65,180Cash and due from depository institutions
  • $64,377Interest-bearing balances
  • $0Securities
  • $3,825Federal funds sold & reverse repurchase agreements
  • $147,929Net loans & leases
  • $2,405Loan loss allowance
  • $0Trading account assets
  • $364Bank premises and fixed assets
  • $3,527Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,542All other assets
  • $224,367Total liabilities and capital
  • $186,182Total liabilities
  • $74,531Total deposits
  • $0Interest-bearing deposits
  • $74,531Deposits held in domestic offices
  • 96.64%% insured (estimated)
  • $110,500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,151All other liabilities
  • $38,185Total equity capital
  • $38,185Total bank equity capital
  • $38,185Perpetual preferred stock
  • $0Common stock
  • $673Surplus
  • $37,884Undivided profits
  • Memoranda
  • $-372Noncurrent loans and leases
  • $24,144Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,981Earning assets
  • $0Long-term assets (5+ years)
  • $582Average Assets, year-to-date
  • $216,131Average Assets, quarterly
  • $50,170Volatile liabilities
  • $286,611Insider loans
  • $240,190FHLB advances
  • $110,500Loans and leases held for sale
  • $3,085Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $24,144Total unused commitments
  • $2,227Restructured Loans and leases
  • $2,091Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $8,155Total interest income
  • $331Total interest expense
  • $7,824Net interest income
  • $4,518Provision for loan and lease losses
  • $903Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $903Additional noninterest income
  • $4,207Total noninterest expense
  • $2,276Salaries and employee benefits
  • $366Premises and equipment expense
  • $1,565Additional noninterest expense
  • $2Pre-tax net operating income
  • $0Securities gains (losses)
  • -$48Applicable income taxes
  • $50Income before extraordinary items
  • $0Extraordinary gains - net
  • $50Net income attributable to bank
  • $0Net charge-offs
  • $50Cash dividends
  • $5,113Sale, conversion, retirement of capital stock, net
  • $952Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.93%Yield on earning assets
  • 0.12%Cost of funding earning assets
  • 2.81%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 1.51%Noninterest expense to earning assets
  • 0.02%Net operating income to assets
  • 0.02%Return on assets (ROA)
  • 0.00%Pretax return on assets
  • 0.13%Return on equity (ROE)
  • -2.32%Retained earnings to average equity (YTD only)
  • 3.08%Net charge-offs to loans
  • 88.36%Credit loss provision to net charge-offs
  • 0.88%Efficiency ratio
  • 48,207Assets per employee
  • 13.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1904.00%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 48.28%Noncurrent assets plus other real estate owned to assets
  • 3.79%Noncurrent loans to loans
  • 3.31%Net loans and leases to deposits
  • 198.48%Net loans and leases to core deposits
  • 198.48%Equity capital to assets
  • 17.02%Core capital (leverage) ratio
  • 14.45%Tier 1 risk-based capital ratio
  • 22.87%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $286,611Average earning assets
  • $38,942Average equity
  • $278,587Average loans

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