FDIC Certificate #: 24642 Status: Active Federal Reserve ID: 190639 Bank Holding Company (Regulatory Top Holder): Bankers' Bancorporation Of Florida, Inc. (RSSDID: 1417276, Location: Lake Mary, FL) Date Established: August 05, 1983 WWW:http://www.ibbfla.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14258 FDIC's unique #: 17108 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: August 05, 1983 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 615 Crescent Executive Court, Suite 400, Lake Mary, FL 32746 County: Seminole 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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $247.2 mil Equity capital: $18.4 mil Deposits held in domestic offices: $176.1 mil Return on assets (ROA): -1.44% (-$3.6 mil) Quarterly return on assets: -3.00% (-$7.4 mil) Return on Equity (ROE): -18.76% (-$3.4 mil) Quarterly return on equity: -39.20% (-$7.1 mil) Net income: -$3.9 mil Quarterly Net income: -$1.9 mil Pretax return on assets: -0.86% (-$2,126.1 mil) Quarterly Pretax return on assets: -0.52% (-$1,285.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
43Total employees (full-time equivalent)
$247,217Total assets
$31,457Cash and due from depository institutions
$15,363Interest-bearing balances
$45,299Securities
$108Federal funds sold & reverse repurchase agreements
$145,574Net loans & leases
$11,184Loan loss allowance
$0Trading account assets
$177Bank premises and fixed assets
$7,457Other real estate owned
$0Goodwill and other intangibles
$247,217Life insurance assets
$17,145All other assets
$228,800Total liabilities and capital
$176,129Total liabilities
$54,688Total deposits
$176,129Interest-bearing deposits
$95Deposits held in domestic offices
7562.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$43,000Trading liabilities
$0Other borrowed funds
$2,109Subordinated debt
$18,417All other liabilities
$18,417Total equity capital
$18,417Total bank equity capital
$0Perpetual preferred stock
$1,979Common stock
$22,426Surplus
$-5,988Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$44,766Income earned, not collected on loans
$0Earning assets
$542Long-term assets (5+ years)
$206,344Average Assets, year-to-date
$52,077Average Assets, quarterly
$269,546Volatile liabilities
$252,997Insider loans
$166,833FHLB advances
$258,656Loans and leases held for sale
$9,645Unused loan commitments
$9,645Tier 1 (core) risk-based capital
$18,380Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,142Restructured Loans and leases
$1,893Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,541Total interest income
$2,155Total interest expense
$6,386Net interest income
$1,597Provision for loan and lease losses
$6,516Total noninterest income
$0Fiduciary activities
$4,368Service charges on deposit accounts
$0Trading account gains & fees
$2,148Additional noninterest income
$13,620Total noninterest expense
$4,529Salaries and employee benefits
$579Premises and equipment expense
$8,512Additional noninterest expense
-$2,315Pre-tax net operating income
$0Securities gains (losses)
$1,570Applicable income taxes
-$3,885Income before extraordinary items
$0Extraordinary gains - net
-$3,885Net income attributable to bank
$0Net charge-offs
-$3,885Cash dividends
$3,628Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.73%Yield on earning assets
0.94%Cost of funding earning assets
2.79%Net interest margin
2.85%Noninterest income to earning assets
5.96%Noninterest expense to earning assets
-1.44%Net operating income to assets
-1.44%Return on assets (ROA)
-0.86%Pretax return on assets
-18.76%Return on equity (ROE)
-18.76%Retained earnings to average equity (YTD only)
2.09%Net charge-offs to loans
44.02%Credit loss provision to net charge-offs
-0.20%Efficiency ratio
105,565Assets per employee
5.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
7.13%Loss allowance to noncurrent loans
24.98%Noncurrent assets plus other real estate owned to assets
21.12%Noncurrent loans to loans
28.56%Net loans and leases to deposits
82.65%Net loans and leases to core deposits
83.01%Equity capital to assets
7.45%Core capital (leverage) ratio
7.11%Tier 1 risk-based capital ratio
11.02%Total risk-based capital ratio
Memoranda
$12Average assets
$269,546Average earning assets
$20,713Average equity
$228,675Average loans
List of branches
1 Florida Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
17108
Independent Banker's Bank Of Florida
615 Crescent Executive Court, Suite 400, Lake Mary, FL 32746
August 05, 1983
Full Service Brick and Mortar
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