SouthTrust Bank of Calhoun County, National Association in Anniston, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 13, 1995

  • SouthTrust Bank of Calhoun County, National Association in Anniston, Alabama (AL)
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SouthTrust Bank of Calhoun County, National Association - Overview

  • General
  • FDIC Certificate #: 2774
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: SouthTrust Bank (#849)
    Federal Reserve ID: 988434
    Date Established: January 01, 1883
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 10 (Interstate: No)
    FDIC's unique #: 1808
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 13, 1995
    Last Structure Change Process Date: January 27, 1995
    Last Data Update: September 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 Quintard Avenue, Anniston, AL 36201
    County: Calhoun
    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): Anniston, AL (#450)
    Core Based Statistical Area (CBSA): Anniston-Oxford, AL (#11500)
    CBSA Metro Statistical Area: Anniston-Oxford, AL (#11500)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $349.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $141Total assets
  • $349,893Cash and due from depository institutions
  • $11,719Interest-bearing balances
  • $325Securities
  • $129,819Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $197,899Loan loss allowance
  • $2,968Trading account assets
  • $0Bank premises and fixed assets
  • $4,939Other real estate owned
  • $217Goodwill and other intangibles
  • $5,300Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $349,893Total liabilities
  • $324,134Total deposits
  • $291,653Interest-bearing deposits
  • $233,847Deposits held in domestic offices
  • 291653.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $26,830Trading liabilities
  • $0Other borrowed funds
  • $3,127Subordinated debt
  • $0All other liabilities
  • $2,524Total equity capital
  • $2,524Total bank equity capital
  • $25,759Perpetual preferred stock
  • $0Common stock
  • $525Surplus
  • $6,604Undivided profits
  • Memoranda
  • $18,630Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,097Income earned, not collected on loans
  • $1,189Earning assets
  • $328,043Long-term assets (5+ years)
  • $86,062Average Assets, year-to-date
  • $354,609Average Assets, quarterly
  • $353,390Volatile liabilities
  • $46,905Insider loans
  • $5,659FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $43,887Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $26,861Total risk weighted assets
  • $206,085Total unused commitments
  • $0Restructured Loans and leases
  • $19,800Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $24,863Total interest expense
  • $10,233Net interest income
  • $14,630Provision for loan and lease losses
  • $684Total noninterest income
  • $3,749Fiduciary activities
  • $635Service charges on deposit accounts
  • $2,467Trading account gains & fees
  • $0Additional noninterest income
  • $647Total noninterest expense
  • $9,506Salaries and employee benefits
  • $4,031Premises and equipment expense
  • $798Additional noninterest expense
  • $4,677Pre-tax net operating income
  • $8,189Securities gains (losses)
  • $17Applicable income taxes
  • $2,625Income before extraordinary items
  • $5,581Extraordinary gains - net
  • $0Net income attributable to bank
  • $5,581Net charge-offs
  • $339Cash dividends
  • $10,066Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.45%Cost of funding earning assets
  • 3.06%Net interest margin
  • 4.38%Noninterest income to earning assets
  • 1.12%Noninterest expense to earning assets
  • 2.85%Net operating income to assets
  • 1.57%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 2.31%Return on equity (ROE)
  • 18.08%Retained earnings to average equity (YTD only)
  • -14.53%Net charge-offs to loans
  • 0.17%Credit loss provision to net charge-offs
  • 201.77%Efficiency ratio
  • 51,722Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 180.36%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 270.56%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.55%Net loans and leases to deposits
  • 67.85%Net loans and leases to core deposits
  • 72.04%Equity capital to assets
  • 7.36%Core capital (leverage) ratio
  • 7.60%Tier 1 risk-based capital ratio
  • 13.03%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $354,609Average earning assets
  • $30,867Average equity
  • $333,910Average loans

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