Bank of Central Florida in Orange County, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 31, 2002

  • Bank of Central Florida in Orange County, Florida (FL)
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Bank of Central Florida - Overview

  • General
  • FDIC Certificate #: 21979
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank of Florida (#27538)
    Federal Reserve ID: 549938
    Date Established: April 15, 1975
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 13115
    FDIC's unique #: 15238
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 15, 1975
    Last Structure Change Effective Date: January 31, 2002
    Last Structure Change Process Date: Febuary 25, 2002
    Last Data Update: Febuary 25, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 1401 Lee Road, Orange County, FL 32810
    County: Orange
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Tampa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Orlando, FL (#5960)
    Combined Statistical Area (CSA): Orlando-Deltona-Daytona Beach, FL (#422)
    Core Based Statistical Area (CBSA): Orlando-Kissimmee-Sanford, FL (#36740)
    CBSA Metro Statistical Area: Orlando-Kissimmee-Sanford, FL (#36740)
  • Financial Summary
  • Total assets: $247.5 mil

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

2000 - 2011 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, 2001)

  • Dollar figures in thousands
  • 98Total employees (full-time equivalent)
  • $247,515Total assets
  • $11,007Cash and due from depository institutions
  • $810Interest-bearing balances
  • $99,682Securities
  • $23,800Federal funds sold & reverse repurchase agreements
  • $109,168Net loans & leases
  • $1,296Loan loss allowance
  • $0Trading account assets
  • $1,694Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,164All other assets
  • $247,515Total liabilities and capital
  • $222,916Total liabilities
  • $198,399Total deposits
  • $140,667Interest-bearing deposits
  • $198,399Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $21,791Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,418Other borrowed funds
  • $0Subordinated debt
  • $1,308All other liabilities
  • $24,599Total equity capital
  • $24,599Total bank equity capital
  • $24,599Perpetual preferred stock
  • $0Common stock
  • $867Surplus
  • $1,138Undivided profits
  • Memoranda
  • $22,594Noncurrent loans and leases
  • $36,550Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,129Earning assets
  • $0Long-term assets (5+ years)
  • $1,206Average Assets, year-to-date
  • $233,460Average Assets, quarterly
  • $57,720Volatile liabilities
  • $232,662Insider loans
  • $244,200FHLB advances
  • $53,566Loans and leases held for sale
  • $5,345Unused loan commitments
  • $418Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $36,550Total unused commitments
  • $0Restructured Loans and leases
  • $1,296Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $16,440Total interest income
  • $6,119Total interest expense
  • $10,321Net interest income
  • $225Provision for loan and lease losses
  • $1,820Total noninterest income
  • $0Fiduciary activities
  • $1,496Service charges on deposit accounts
  • $0Trading account gains & fees
  • $324Additional noninterest income
  • $7,881Total noninterest expense
  • $5,343Salaries and employee benefits
  • $1,209Premises and equipment expense
  • $1,329Additional noninterest expense
  • $4,035Pre-tax net operating income
  • $513Securities gains (losses)
  • $0Applicable income taxes
  • $4,548Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,548Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$9Sale, conversion, retirement of capital stock, net
  • $3,550Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.52%Yield on earning assets
  • 2.80%Cost of funding earning assets
  • 4.72%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.60%Noninterest expense to earning assets
  • 1.73%Net operating income to assets
  • 1.95%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 18.93%Return on equity (ROE)
  • 4.15%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -2500.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,912Assets per employee
  • 2.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.06%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 114.79%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 55.02%Net loans and leases to core deposits
  • 65.13%Equity capital to assets
  • 9.94%Core capital (leverage) ratio
  • 9.55%Tier 1 risk-based capital ratio
  • 16.27%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $232,662Average earning assets
  • $24,021Average equity
  • $218,705Average loans

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