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

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with NBC Bank, FSB.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents