NBC Bank, FSB in Memphis, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 22, 2005

  • NBC Bank, FSB in Memphis, Tennessee (TN)
  • Show street view No street view available for this location

NBC Bank, FSB - Overview

  • General
  • FDIC Certificate #: 28880
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SunTrust Bank (#867)
    Federal Reserve ID: 21171
    Date Established: April 01, 1934
    WWW: http://www.suntrust.com
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2549
    FDIC's unique #: 41714
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: November 27, 1934
    Last Structure Change Effective Date: April 22, 2005
    Last Structure Change Process Date: May 06, 2005
    Last Data Update: May 06, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: One Commerce Square, Memphis, TN 38150
    County: Shelby
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Memphis, TN-AR-MS (#4920)
    Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
    CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
  • Financial Summary
  • Total assets: $46.7 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, 2004)

  • Dollar figures in thousands
  • 14Total employees (full-time equivalent)
  • $38,400Total assets
  • $2,555Cash and due from depository institutions
  • $6Interest-bearing balances
  • $11,586Securities
  • $5,400Federal funds sold & reverse repurchase agreements
  • $6,957Net loans & leases
  • $111Loan loss allowance
  • $0Trading account assets
  • $549Bank premises and fixed assets
  • $0Other real estate owned
  • $6,493Goodwill and other intangibles
  • $0Life insurance assets
  • $4,860All other assets
  • $38,399Total liabilities and capital
  • $26,879Total liabilities
  • $26,289Total deposits
  • $21,058Interest-bearing deposits
  • $26,289Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $590All other liabilities
  • $11,520Total equity capital
  • $11,520Total bank equity capital
  • $11,520Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $11,400Undivided profits
  • Memoranda
  • $-30Noncurrent loans and leases
  • $1,824Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $118Earning assets
  • $0Long-term assets (5+ years)
  • $68Average Assets, year-to-date
  • $23,949Average Assets, quarterly
  • $0Volatile liabilities
  • $27,785Insider loans
  • $32,533FHLB advances
  • $5,564Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,824Total unused commitments
  • $0Restructured Loans and leases
  • $111Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $1,080Total interest income
  • $252Total interest expense
  • $828Net interest income
  • $207Provision for loan and lease losses
  • $883Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $883Additional noninterest income
  • $1,175Total noninterest expense
  • $573Salaries and employee benefits
  • $225Premises and equipment expense
  • $377Additional noninterest expense
  • $329Pre-tax net operating income
  • $0Securities gains (losses)
  • $137Applicable income taxes
  • $192Income before extraordinary items
  • $0Extraordinary gains - net
  • $192Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $194Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 4.22%Net interest margin
  • 4.50%Noninterest income to earning assets
  • 5.99%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 2.96%Return on equity (ROE)
  • 2.96%Retained earnings to average equity (YTD only)
  • 2.72%Net charge-offs to loans
  • 106.70%Credit loss provision to net charge-offs
  • 2.76%Efficiency ratio
  • 67,855Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 94.07%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 1.67%Net loans and leases to deposits
  • 26.46%Net loans and leases to core deposits
  • 33.57%Equity capital to assets
  • 30.00%Core capital (leverage) ratio
  • 15.61%Tier 1 risk-based capital ratio
  • 54.77%Total risk-based capital ratio
  • Memoranda
  • $56Average assets
  • $27,785Average earning assets
  • $6,476Average equity
  • $19,612Average loans

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