Noble Bank & Trust, N.A. in Anniston, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Noble Bank & Trust, N.A. - Overview

  • General
  • FDIC Certificate #: 58111
    Status: Active
    Federal Reserve ID: 3385744
    Date Established: October 11, 2005
    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: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 439956
    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: October 11, 2005
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1509 Quintard Avenue, Anniston, AL 36207
    County: Calhoun
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Anniston, AL (#450)
    Core Based Statistical Area (CBSA): Anniston-Oxford, AL (#11500)
    CBSA Metro Statistical Area: Anniston-Oxford, AL (#11500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $165.9 mil
    Equity capital: $16.7 mil
    Deposits held in domestic offices: $143.5 mil
    Return on assets (ROA): 0.51% ($0.8 mil)
    Quarterly return on assets: 0.59% ($1.0 mil)
    Return on Equity (ROE): 5.55% ($0.9 mil)
    Quarterly return on equity: 5.93% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.60% ($995.6 mil)
    Quarterly Pretax return on assets: 0.84% ($1,393.9 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
  • 41Total employees (full-time equivalent)
  • $165,938Total assets
  • $24,385Cash and due from depository institutions
  • $19,828Interest-bearing balances
  • $45,523Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $86,089Net loans & leases
  • $1,346Loan loss allowance
  • $0Trading account assets
  • $6,523Bank premises and fixed assets
  • $635Other real estate owned
  • $0Goodwill and other intangibles
  • $165,938Life insurance assets
  • $2,783All other assets
  • $149,191Total liabilities and capital
  • $143,532Total liabilities
  • $123,430Total deposits
  • $143,532Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $659Subordinated debt
  • $16,747All other liabilities
  • $16,747Total equity capital
  • $16,747Total bank equity capital
  • $0Perpetual preferred stock
  • $1,442Common stock
  • $14,078Surplus
  • $1,227Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $925Income earned, not collected on loans
  • $0Earning assets
  • $496Long-term assets (5+ years)
  • $151,440Average Assets, year-to-date
  • $37,493Average Assets, quarterly
  • $169,209Volatile liabilities
  • $168,171Insider loans
  • $97,192FHLB advances
  • $169,066Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,157Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,148Restructured Loans and leases
  • $2,935Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,904Total interest income
  • $1,102Total interest expense
  • $5,802Net interest income
  • $875Provision for loan and lease losses
  • $1,159Total noninterest income
  • $0Fiduciary activities
  • $755Service charges on deposit accounts
  • $0Trading account gains & fees
  • $404Additional noninterest income
  • $5,341Total noninterest expense
  • $2,513Salaries and employee benefits
  • $644Premises and equipment expense
  • $2,184Additional noninterest expense
  • $745Pre-tax net operating income
  • $266Securities gains (losses)
  • $153Applicable income taxes
  • $858Income before extraordinary items
  • $0Extraordinary gains - net
  • $858Net income attributable to bank
  • $0Net charge-offs
  • $858Cash dividends
  • $749Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 5.55%Return on equity (ROE)
  • 5.55%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 116.82%Credit loss provision to net charge-offs
  • 2.16%Efficiency ratio
  • 76,727Assets per employee
  • 4.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 145.51%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 1.06%Net loans and leases to deposits
  • 59.98%Net loans and leases to core deposits
  • 62.48%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 9.56%Tier 1 risk-based capital ratio
  • 16.62%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $169,209Average earning assets
  • $15,469Average equity
  • $154,467Average loans

List of branches

  • 4 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0439956Noble Bank & Trust, N.A.1509 Quintard Avenue, Anniston, AL 36207October 11, 2005Full Service Brick and Mortar
    1445463Oxford Office1836 Highway 78, Oxford, AL 36203October 11, 2005Full Service Brick and Mortar
    2493153Piedmont Office Branch100 South Main St., Piedmont, AL 36272January 26, 2009Full Service Brick and Mortar
    3493154Alexandria Office Branch646 Valley Cub Dr., Alexandria, AL 36250May 26, 2009Full Service Brick and Mortar

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