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This institution is no longer active

Operations ceased on June 21, 2008. CRA examination history below reflects the period it was active.

FIRST AMERICAN BANK

BIRMINGHAM, AL · Supervised by FDIC

Est. 1981FDIC #23,577RSSD: FDIC-23577
Part ofROYAL BANK OF CANADA→ View all charters
Satisfactory Same

Current rating · Exam: September 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.53%

Institution Profile

FDIC BankFind

Address

1927 First Avenue North, BIRMINGHAM, AL

County

Jefferson County

Established

November 12, 1981

Total Assets

$3.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2004

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2008Call Report / FDIC

Total Assets

$3.6B

Total Deposits

$2.3B

Net Loans

$2.6B

Net Income

$5M

ROA

0.53%

ROE

6.92%

Risk-Based Capital

10.12%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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