Oakworth Capital Bank in Birmingham, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Oakworth Capital Bank in Birmingham, Alabama (AL)
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Oakworth Capital Bank - Overview

  • General
  • FDIC Certificate #: 58783
    Status: Active
    Federal Reserve ID: 3720608
    Date Established: March 31, 2008
    WWW: http://www.oakworthcapital.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 467896
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 31, 2008
    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: 2100 Southbridge Parkway, Suite 444, Birmingham, 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)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $228.2 mil
    Equity capital: $38.4 mil
    Deposits held in domestic offices: $185.4 mil
    Return on assets (ROA): 0.79% ($1.8 mil)
    Quarterly return on assets: 0.66% ($1.5 mil)
    Return on Equity (ROE): 4.26% ($1.6 mil)
    Quarterly return on equity: 3.77% ($1.4 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.15% ($2,624.2 mil)
    Quarterly Pretax return on assets: 0.94% ($2,145.0 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
  • 29Total employees (full-time equivalent)
  • $228,192Total assets
  • $37,678Cash and due from depository institutions
  • $34,291Interest-bearing balances
  • $39,031Securities
  • $2,850Federal funds sold & reverse repurchase agreements
  • $144,522Net loans & leases
  • $1,923Loan loss allowance
  • $0Trading account assets
  • $293Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $228,192Life insurance assets
  • $3,818All other assets
  • $189,773Total liabilities and capital
  • $185,367Total liabilities
  • $156,361Total deposits
  • $185,367Interest-bearing deposits
  • $53Deposits held in domestic offices
  • 2405.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,001Subordinated debt
  • $38,419All other liabilities
  • $38,419Total equity capital
  • $38,419Total bank equity capital
  • $0Perpetual preferred stock
  • $18,409Common stock
  • $20,014Surplus
  • $-4Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $734Long-term assets (5+ years)
  • $220,694Average Assets, year-to-date
  • $42,223Average Assets, quarterly
  • $199,126Volatile liabilities
  • $216,886Insider loans
  • $173,381FHLB advances
  • $214,105Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $37,681Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $55,428Restructured Loans and leases
  • $7,092Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,961Total interest income
  • $821Total interest expense
  • $7,140Net interest income
  • $476Provision for loan and lease losses
  • $1,135Total noninterest income
  • $976Fiduciary activities
  • $96Service charges on deposit accounts
  • $0Trading account gains & fees
  • $63Additional noninterest income
  • $5,511Total noninterest expense
  • $3,572Salaries and employee benefits
  • $392Premises and equipment expense
  • $1,547Additional noninterest expense
  • $2,288Pre-tax net operating income
  • $0Securities gains (losses)
  • $720Applicable income taxes
  • $1,568Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,568Net income attributable to bank
  • $0Net charge-offs
  • $1,568Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 4.26%Return on equity (ROE)
  • 4.26%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,598Assets per employee
  • 7.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 77.97%Net loans and leases to core deposits
  • 83.06%Equity capital to assets
  • 16.84%Core capital (leverage) ratio
  • 17.60%Tier 1 risk-based capital ratio
  • 21.73%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $199,126Average earning assets
  • $36,782Average equity
  • $192,148Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $133,504Managed Assets
  • 1Number of Accounts
  • $124,280Personal trust and agency accounts
  • $14,497Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $24,824Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $84,959Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 195Number of Accounts
  • $0Personal trust and agency accounts
  • $24,824Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $9,224Other retirement accounts
  • $6,823Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Alabama Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0467896Oakworth Capital Bank2100 Southbridge Parkway, Suite 444, Birmingham, AL 35209March 31, 2008Full Service Brick and Mortar

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