FDIC Certificate #: 2839 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Union Planters Bank, National Association (#4979) Federal Reserve ID: 385538 Date Established: January 01, 1905 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 5 (Interstate: No) OTS Docket #: 11073 FDIC's unique #: 1860 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: May 21, 1999 Last Structure Change Process Date: June 10, 1999 Last Data Update: June 10, 1999 Data Source Date: April 05, 2012
Location
Address: 408 Southeast Main Street, Wetumpka, AL 36092 County: Elmore Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Dallas FDIC Field Office: Montgomery Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Montgomery, AL (#5240) Combined Statistical Area (CSA): Montgomery-Alexander City, AL (#388) Core Based Statistical Area (CBSA): Montgomery, AL (#33860) CBSA Metro Statistical Area: Montgomery, AL (#33860)
Financial Summary
Total assets: $189.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
84Total employees (full-time equivalent)
$190,187Total assets
$6,298Cash and due from depository institutions
$0Interest-bearing balances
$43,298Securities
$2,440Federal funds sold & reverse repurchase agreements
$131,944Net loans & leases
$1,897Loan loss allowance
$0Trading account assets
$3,924Bank premises and fixed assets
$292Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,991All other assets
$190,187Total liabilities and capital
$174,967Total liabilities
$172,962Total deposits
$150,914Interest-bearing deposits
$172,962Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$2,005All other liabilities
$15,220Total equity capital
$15,220Total bank equity capital
$15,220Perpetual preferred stock
$0Common stock
$200Surplus
$200Undivided profits
Memoranda
$14,820Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$110Earning assets
$0Long-term assets (5+ years)
$1,091Average Assets, year-to-date
$177,682Average Assets, quarterly
$71,178Volatile liabilities
$203,710Insider loans
$192,867FHLB advances
$31,443Loans and leases held for sale
$1,796Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,541Total unused commitments
$0Restructured Loans and leases
$127,045Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$16,113Total interest income
$7,906Total interest expense
$8,207Net interest income
$1,132Provision for loan and lease losses
$1,035Total noninterest income
$0Fiduciary activities
$968Service charges on deposit accounts
$0Trading account gains & fees
$67Additional noninterest income
$6,090Total noninterest expense
$2,965Salaries and employee benefits
$748Premises and equipment expense
$2,377Additional noninterest expense
$2,020Pre-tax net operating income
$68Securities gains (losses)
$312Applicable income taxes
$1,776Income before extraordinary items
$0Extraordinary gains - net
$1,776Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$646Sale, conversion, retirement of capital stock, net
$9,952Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.43%Yield on earning assets
4.14%Cost of funding earning assets
4.29%Net interest margin
0.54%Noninterest income to earning assets
3.19%Noninterest expense to earning assets
0.84%Net operating income to assets
0.87%Return on assets (ROA)
1.02%Pretax return on assets
8.19%Return on equity (ROE)
-37.69%Retained earnings to average equity (YTD only)
0.49%Net charge-offs to loans
175.23%Credit loss provision to net charge-offs
4.88%Efficiency ratio
65,895Assets per employee
2.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
560.36%Loss allowance to loans
1.42%Loss allowance to noncurrent loans
1724.55%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.08%Net loans and leases to deposits
76.28%Net loans and leases to core deposits
93.23%Equity capital to assets
8.00%Core capital (leverage) ratio
7.47%Tier 1 risk-based capital ratio
11.59%Total risk-based capital ratio
Memoranda
$13Average assets
$203,710Average earning assets
$21,695Average equity
$191,170Average loans
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