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

This bank is inactive as of January 13, 1995

  • SouthTrust Bank of Randolph County, National Association in Roanoke, Alabama (AL)
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SouthTrust Bank of Randolph County, National Association - Overview

  • General
  • FDIC Certificate #: 9058
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SouthTrust Bank (#849)
    Federal Reserve ID: 562834
    Date Established: January 01, 1931
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 5796
    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: January 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 204 East Main Street, Roanoke, AL 36274
    County: Randolph
    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
  • Financial Summary
  • Total assets: $46.9 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)
  • $20Total assets
  • $46,889Cash and due from depository institutions
  • $2,897Interest-bearing balances
  • $0Securities
  • $13,425Federal funds sold & reverse repurchase agreements
  • $1,525Net loans & leases
  • $27,723Loan loss allowance
  • $427Trading account assets
  • $0Bank premises and fixed assets
  • $428Other real estate owned
  • $271Goodwill and other intangibles
  • $620Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $46,889Total liabilities
  • $42,550Total deposits
  • $41,889Interest-bearing deposits
  • $36,759Deposits held in domestic offices
  • 41889.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $209Subordinated debt
  • $0All other liabilities
  • $452Total equity capital
  • $452Total bank equity capital
  • $4,339Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $731Undivided profits
  • Memoranda
  • $3,508Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $87Income earned, not collected on loans
  • $227Earning assets
  • $42,673Long-term assets (5+ years)
  • $14,605Average Assets, year-to-date
  • $45,965Average Assets, quarterly
  • $46,166Volatile liabilities
  • $5,684Insider loans
  • $1,089FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,243Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,472Total risk weighted assets
  • $26,800Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,349Total interest expense
  • $1,308Net interest income
  • $2,041Provision for loan and lease losses
  • $10Total noninterest income
  • $367Fiduciary activities
  • $0Service charges on deposit accounts
  • $220Trading account gains & fees
  • $0Additional noninterest income
  • $147Total noninterest expense
  • $1,568Salaries and employee benefits
  • $644Premises and equipment expense
  • $94Additional noninterest expense
  • $830Pre-tax net operating income
  • $830Securities gains (losses)
  • $7Applicable income taxes
  • $229Income before extraordinary items
  • $608Extraordinary gains - net
  • $0Net income attributable to bank
  • $608Net charge-offs
  • $47Cash dividends
  • $288Sale, 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
  • 7.88%Cost of funding earning assets
  • 3.08%Net interest margin
  • 4.80%Noninterest income to earning assets
  • 0.86%Noninterest expense to earning assets
  • 3.69%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 1.82%Return on equity (ROE)
  • 14.41%Retained earnings to average equity (YTD only)
  • 7.58%Net charge-offs to loans
  • 0.18%Credit loss provision to net charge-offs
  • 21.28%Efficiency ratio
  • 65,116Assets per employee
  • 2.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.37%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 490.80%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 66.18%Net loans and leases to core deposits
  • 76.13%Equity capital to assets
  • 9.25%Core capital (leverage) ratio
  • 9.88%Tier 1 risk-based capital ratio
  • 16.69%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $45,965Average earning assets
  • $4,219Average equity
  • $42,489Average loans

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