SunTrust Bank, Alabama, National Association in Florence, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2000

  • SunTrust Bank, Alabama, National Association in Florence, Alabama (AL)
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SunTrust Bank, Alabama, National Association - Overview

  • General
  • FDIC Certificate #: 2797
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SunTrust Bank (#867)
    Federal Reserve ID: 623137
    Date Established: January 01, 1889
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    FDIC's unique #: 1826
    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 01, 2000
    Last Structure Change Process Date: March 29, 2000
    Last Data Update: March 29, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 South Court Street, Florence, AL 35630
    County: Lauderdale
    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): Florence, AL (#2650)
    Core Based Statistical Area (CBSA): Florence-Muscle Shoals, AL (#22520)
    CBSA Metro Statistical Area: Florence-Muscle Shoals, AL (#22520)
  • Financial Summary
  • Total assets: $380.7 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 135Total employees (full-time equivalent)
  • $380,737Total assets
  • $11,942Cash and due from depository institutions
  • $198Interest-bearing balances
  • $51,723Securities
  • $15,000Federal funds sold & reverse repurchase agreements
  • $288,001Net loans & leases
  • $5,244Loan loss allowance
  • $0Trading account assets
  • $7,529Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,542All other assets
  • $380,737Total liabilities and capital
  • $351,539Total liabilities
  • $281,253Total deposits
  • $241,126Interest-bearing deposits
  • $281,253Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $46,020Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $20,554Other borrowed funds
  • $0Subordinated debt
  • $3,712All other liabilities
  • $29,198Total equity capital
  • $29,198Total bank equity capital
  • $29,198Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $11,700Undivided profits
  • Memoranda
  • $17,198Noncurrent loans and leases
  • $97,683Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,441Earning assets
  • $0Long-term assets (5+ years)
  • $1,717Average Assets, year-to-date
  • $354,922Average Assets, quarterly
  • $73,598Volatile liabilities
  • $372,719Insider loans
  • $377,545FHLB advances
  • $82,874Loans and leases held for sale
  • $2,469Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $97,683Total unused commitments
  • $0Restructured Loans and leases
  • $3,932Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $26,029Total interest income
  • $11,896Total interest expense
  • $14,133Net interest income
  • $600Provision for loan and lease losses
  • $4,248Total noninterest income
  • $745Fiduciary activities
  • $1,698Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,805Additional noninterest income
  • $11,099Total noninterest expense
  • $4,983Salaries and employee benefits
  • $1,213Premises and equipment expense
  • $4,903Additional noninterest expense
  • $6,682Pre-tax net operating income
  • -$162Securities gains (losses)
  • $2,421Applicable income taxes
  • $4,099Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,099Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $303Sale, conversion, retirement of capital stock, net
  • $4,600Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.43%Yield on earning assets
  • 3.39%Cost of funding earning assets
  • 4.03%Net interest margin
  • 1.21%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.75%Pretax return on assets
  • 13.67%Return on equity (ROE)
  • -1.67%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 198.02%Credit loss provision to net charge-offs
  • 24.03%Efficiency ratio
  • 60,383Assets per employee
  • 2.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 112.22%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 363.91%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 102.40%Net loans and leases to core deposits
  • 115.22%Equity capital to assets
  • 7.67%Core capital (leverage) ratio
  • 7.84%Tier 1 risk-based capital ratio
  • 9.44%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $372,719Average earning assets
  • $29,991Average equity
  • $350,491Average loans

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