Commercial State Bank of Orlando in Orlando, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 30, 1993

  • Commercial State Bank of Orlando in Orlando, Florida (FL)
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Commercial State Bank of Orlando - Overview

  • General
  • FDIC Certificate #: 26208
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SouthTrust Bank of Orlando (#33016)
    Federal Reserve ID: 561930
    Date Established: April 15, 1985
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Interstate: No)
    FDIC's unique #: 32538
    Numeric code: 13
    Regulator: FED
    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, 1985
    Last Structure Change Effective Date: November 30, 1993
    Last Structure Change Process Date: December 20, 1993
    Last Data Update: December 20, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 2610 South Orange Avenue, Orlando, FL 32806
    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: $73.4 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $48Total assets
  • $65,429Cash and due from depository institutions
  • $3,032Interest-bearing balances
  • $95Securities
  • $7,208Federal funds sold & reverse repurchase agreements
  • $6,750Net loans & leases
  • $44,307Loan loss allowance
  • $482Trading account assets
  • $0Bank premises and fixed assets
  • $3,562Other real estate owned
  • $0Goodwill and other intangibles
  • $570Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $65,429Total liabilities
  • $59,788Total deposits
  • $57,016Interest-bearing deposits
  • $43,187Deposits held in domestic offices
  • 57016.00%% insured (estimated)
  • $81Federal funds purchased & repurchase agreements
  • $329Trading liabilities
  • $0Other borrowed funds
  • $1,955Subordinated debt
  • $0All other liabilities
  • $488Total equity capital
  • $488Total bank equity capital
  • $5,641Perpetual preferred stock
  • $0Common stock
  • $3,066Surplus
  • $1,687Undivided profits
  • Memoranda
  • $887Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,159Income earned, not collected on loans
  • $206Earning assets
  • $58,360Long-term assets (5+ years)
  • $942Average Assets, year-to-date
  • $62,763Average Assets, quarterly
  • $63,864Volatile liabilities
  • $13,139Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,410Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,640Total risk weighted assets
  • $48,734Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,697Total interest expense
  • $1,734Net interest income
  • $2,963Provision for loan and lease losses
  • $170Total noninterest income
  • $663Fiduciary activities
  • $0Service charges on deposit accounts
  • $568Trading account gains & fees
  • $0Additional noninterest income
  • $95Total noninterest expense
  • $2,946Salaries and employee benefits
  • $1,371Premises and equipment expense
  • $614Additional noninterest expense
  • $961Pre-tax net operating income
  • $510Securities gains (losses)
  • $0Applicable income taxes
  • $175Income before extraordinary items
  • $335Extraordinary gains - net
  • $0Net income attributable to bank
  • $335Net charge-offs
  • $348Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.45%Cost of funding earning assets
  • 3.12%Net interest margin
  • 5.33%Noninterest income to earning assets
  • 1.19%Noninterest expense to earning assets
  • 5.30%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 0.81%Return on equity (ROE)
  • 6.10%Retained earnings to average equity (YTD only)
  • 6.10%Net charge-offs to loans
  • 0.82%Credit loss provision to net charge-offs
  • 48.85%Efficiency ratio
  • 81,247Assets per employee
  • 1.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 41.59%Noncurrent assets plus other real estate owned to assets
  • 1.77%Noncurrent loans to loans
  • 2.59%Net loans and leases to deposits
  • 77.71%Net loans and leases to core deposits
  • 95.98%Equity capital to assets
  • 8.62%Core capital (leverage) ratio
  • 9.03%Tier 1 risk-based capital ratio
  • 11.57%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $62,763Average earning assets
  • $5,496Average equity
  • $55,574Average loans

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