National Bank of Commerce in Birmingham, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • National Bank of Commerce in Birmingham, Alabama (AL)
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National Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 57764
    Status: Active
    Federal Reserve ID: 3275939
    Bank Holding Company (Regulatory Top Holder): Charles Investment Group, Llc (RSSDID: 4146988, Location: Birmingham, AL)
    Date Established: June 21, 2004
    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: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 424214
    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: Commercial Lending Specialization
    Date of Deposit Insurance: June 21, 2004
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 5 Inverness Center Parkway, Birmingham, AL 35242
    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)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $426.0 mil
    Equity capital: $82.0 mil
    Deposits held in domestic offices: $325.7 mil
    Return on assets (ROA): 0.16% ($0.7 mil)
    Quarterly return on assets: 0.37% ($1.6 mil)
    Return on Equity (ROE): 0.80% ($0.7 mil)
    Quarterly return on equity: 1.90% ($1.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.21% ($894.7 mil)
    Quarterly Pretax return on assets: 0.54% ($2,300.6 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
  • 101Total employees (full-time equivalent)
  • $426,036Total assets
  • $49,258Cash and due from depository institutions
  • $47,835Interest-bearing balances
  • $50,050Securities
  • $53Federal funds sold & reverse repurchase agreements
  • $297,639Net loans & leases
  • $10,343Loan loss allowance
  • $0Trading account assets
  • $7,414Bank premises and fixed assets
  • $905Other real estate owned
  • $0Goodwill and other intangibles
  • $426,036Life insurance assets
  • $20,717All other assets
  • $343,991Total liabilities and capital
  • $325,659Total liabilities
  • $273,360Total deposits
  • $325,659Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,031Trading liabilities
  • $0Other borrowed funds
  • $1,301Subordinated debt
  • $82,045All other liabilities
  • $82,045Total equity capital
  • $82,045Total bank equity capital
  • $0Perpetual preferred stock
  • $1,920Common stock
  • $92,943Surplus
  • $-12,818Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,896Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,730Income earned, not collected on loans
  • $0Earning assets
  • $1,152Long-term assets (5+ years)
  • $395,577Average Assets, year-to-date
  • $114,516Average Assets, quarterly
  • $400,698Volatile liabilities
  • $423,873Insider loans
  • $292,004FHLB advances
  • $411,233Loans and leases held for sale
  • $4,818Unused loan commitments
  • $4,818Tier 1 (core) risk-based capital
  • $73,009Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $51,175Restructured Loans and leases
  • $1,187Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,005Total interest income
  • $3,560Total interest expense
  • $13,445Net interest income
  • $600Provision for loan and lease losses
  • $2,401Total noninterest income
  • $0Fiduciary activities
  • $218Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,183Additional noninterest income
  • $14,475Total noninterest expense
  • $9,317Salaries and employee benefits
  • $1,703Premises and equipment expense
  • $3,455Additional noninterest expense
  • $771Pre-tax net operating income
  • $64Securities gains (losses)
  • $189Applicable income taxes
  • $646Income before extraordinary items
  • $0Extraordinary gains - net
  • $646Net income attributable to bank
  • $0Net charge-offs
  • $646Cash dividends
  • $1,129Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 0.80%Return on equity (ROE)
  • 0.80%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 53.14%Credit loss provision to net charge-offs
  • 1.21%Efficiency ratio
  • 91,348Assets per employee
  • 4.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.36%Loss allowance to noncurrent loans
  • 597.86%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 91.40%Net loans and leases to core deposits
  • 95.72%Equity capital to assets
  • 19.26%Core capital (leverage) ratio
  • 17.75%Tier 1 risk-based capital ratio
  • 25.00%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $400,698Average earning assets
  • $80,533Average equity
  • $371,314Average loans

List of branches

  • 5 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0424214National Bank Of Commerce5 Inverness Center Parkway, Birmingham, AL 35242June 21, 2004Full Service Brick and Mortar
    1453557English Village Branch1919 Cahaba Road, Birmingham, AL 35223October 24, 2005Full Service Brick and Mortar
    3517256Fairhope Branch813 Estella Drive, Fairhope, AL 36532November 23, 2010Full Service Brick and Mortar
    4517257Opelika Branch3320 Skyway Drive, Opelika, AL 36801November 22, 2010Full Service Brick and Mortar
    5517259Huntsville Branch203 Green Street, Huntsville, AL 35801November 15, 2010Full Service Brick and Mortar

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