First Federal Savings and Loan Association of Osceola County in Kissimmee, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 19, 1997

  • First Federal Savings and Loan Association of Osceola County in Kissimmee, Florida (FL)
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First Federal Savings and Loan Association of Osceola County - Overview

  • General
  • FDIC Certificate #: 29309
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Republic Bank (#21350)
    Federal Reserve ID: 45373
    Date Established: December 01, 1934
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3259
    FDIC's unique #: 42143
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: January 31, 1935
    Last Structure Change Effective Date: September 19, 1997
    Last Structure Change Process Date: October 03, 1997
    Last Data Update: October 03, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 Broadway, Kissimmee, FL 34741
    County: Osceola
    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: $323.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $158Total assets
  • $317,023Cash and due from depository institutions
  • $17,964Interest-bearing balances
  • $11,665Securities
  • $56,786Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $219,228Loan loss allowance
  • $5,762Trading account assets
  • $9,581Bank premises and fixed assets
  • $5,324Other real estate owned
  • $780Goodwill and other intangibles
  • $7,074Life insurance assets
  • $286All other assets
  • $0Total liabilities and capital
  • $317,023Total liabilities
  • $296,857Total deposits
  • $288,841Interest-bearing deposits
  • $274,361Deposits held in domestic offices
  • 288841.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $7,424Subordinated debt
  • $0All other liabilities
  • $592Total equity capital
  • $592Total bank equity capital
  • $20,166Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $20,935Undivided profits
  • Memoranda
  • $-769Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,058Income earned, not collected on loans
  • $1,280Earning assets
  • $297,260Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $308,639Average Assets, quarterly
  • $314,091Volatile liabilities
  • $28,911Insider loans
  • $258FHLB advances
  • $7,000Loans and leases held for sale
  • $0Unused loan commitments
  • $9,625Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $18,772Total risk weighted assets
  • $169,647Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $21,995Total interest expense
  • $12,023Net interest income
  • $9,972Provision for loan and lease losses
  • $783Total noninterest income
  • $2,570Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$197Additional noninterest income
  • $2,767Total noninterest expense
  • $9,489Salaries and employee benefits
  • $4,195Premises and equipment expense
  • $2,593Additional noninterest expense
  • $2,701Pre-tax net operating income
  • $2,270Securities gains (losses)
  • $136Applicable income taxes
  • $803Income before extraordinary items
  • $1,603Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,603Net charge-offs
  • $165Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.66%Cost of funding earning assets
  • 4.19%Net interest margin
  • 3.47%Noninterest income to earning assets
  • 0.90%Noninterest expense to earning assets
  • 3.31%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.52%Pretax return on assets
  • 0.78%Return on equity (ROE)
  • 8.46%Retained earnings to average equity (YTD only)
  • 8.46%Net charge-offs to loans
  • 0.08%Credit loss provision to net charge-offs
  • 474.55%Efficiency ratio
  • 75,658Assets per employee
  • 2.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.56%Loss allowance to noncurrent loans
  • 122.28%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 1.81%Net loans and leases to deposits
  • 75.90%Net loans and leases to core deposits
  • 82.00%Equity capital to assets
  • 6.36%Core capital (leverage) ratio
  • 5.95%Tier 1 risk-based capital ratio
  • 11.07%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $308,639Average earning assets
  • $18,957Average equity
  • $287,067Average loans

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