Union Planters Bank of Alabama in Decatur, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1998

  • Union Planters Bank of Alabama in Decatur, Alabama (AL)
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Union Planters Bank of Alabama - Overview

  • General
  • FDIC Certificate #: 29291
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank, National Association (#4979)
    Federal Reserve ID: 240271
    Date Established: December 01, 1934
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 17 (Interstate: No)
    OTS Docket #: 3232
    FDIC's unique #: 42125
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 14, 1935
    Last Structure Change Effective Date: January 01, 1998
    Last Structure Change Process Date: January 26, 1998
    Last Data Update: January 26, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 255 Grant Street, S.E., Decatur, AL 35601
    County: Morgan
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Decatur, AL (#2030)
    Combined Statistical Area (CSA): Huntsville-Decatur, AL (#290)
    Core Based Statistical Area (CBSA): Decatur, AL (#19460)
    CBSA Metro Statistical Area: Decatur, AL (#19460)
  • Financial Summary
  • Total assets: $449.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 179Total employees (full-time equivalent)
  • $449,084Total assets
  • $40,209Cash and due from depository institutions
  • $30,340Interest-bearing balances
  • $58,901Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $330,756Net loans & leases
  • $4,717Loan loss allowance
  • $0Trading account assets
  • $10,244Bank premises and fixed assets
  • $981Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $7,993All other assets
  • $449,084Total liabilities and capital
  • $421,635Total liabilities
  • $417,219Total deposits
  • $393,632Interest-bearing deposits
  • $417,219Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $740Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $3,676All other liabilities
  • $27,449Total equity capital
  • $27,449Total bank equity capital
  • $27,449Perpetual preferred stock
  • $0Common stock
  • $4Surplus
  • $21,245Undivided profits
  • Memoranda
  • $6,200Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,941Earning assets
  • $48Long-term assets (5+ years)
  • $3,203Average Assets, year-to-date
  • $419,997Average Assets, quarterly
  • $120,539Volatile liabilities
  • $443,610Insider loans
  • $442,874FHLB advances
  • $60,376Loans and leases held for sale
  • $1,363Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $18,859Total unused commitments
  • $0Restructured Loans and leases
  • $307,887Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $35,944Total interest income
  • $18,360Total interest expense
  • $17,584Net interest income
  • $680Provision for loan and lease losses
  • $3,382Total noninterest income
  • $0Fiduciary activities
  • $2,466Service charges on deposit accounts
  • $0Trading account gains & fees
  • $916Additional noninterest income
  • $12,092Total noninterest expense
  • $6,006Salaries and employee benefits
  • $2,721Premises and equipment expense
  • $3,365Additional noninterest expense
  • $8,194Pre-tax net operating income
  • -$5Securities gains (losses)
  • $2,985Applicable income taxes
  • $5,204Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,204Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,038Sale, conversion, retirement of capital stock, net
  • $6,086Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.69%Yield on earning assets
  • 4.44%Cost of funding earning assets
  • 4.25%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 18.60%Return on equity (ROE)
  • -3.15%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 65.51%Credit loss provision to net charge-offs
  • 8.55%Efficiency ratio
  • 57,674Assets per employee
  • 2.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 116.95%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 243.02%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 79.28%Net loans and leases to core deposits
  • 92.50%Equity capital to assets
  • 6.11%Core capital (leverage) ratio
  • 6.15%Tier 1 risk-based capital ratio
  • 8.82%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $443,610Average earning assets
  • $27,972Average equity
  • $413,856Average loans

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