United American Bank of Central Florida in Orlando, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 20, 1998

  • United American Bank of Central Florida in Orlando, Florida (FL)
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United American Bank of Central Florida - Overview

  • General
  • FDIC Certificate #: 25848
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Colonial Bank (#9609)
    Federal Reserve ID: 680934
    Date Established: January 14, 1985
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 9 (Interstate: No)
    FDIC's unique #: 32083
    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: January 14, 1985
    Last Structure Change Effective Date: Febuary 20, 1998
    Last Structure Change Process Date: March 20, 1998
    Last Data Update: March 20, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 105 West Colonial Drive, Orlando, FL 32801
    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: $270.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 81Total employees (full-time equivalent)
  • $270,318Total assets
  • $15,178Cash and due from depository institutions
  • $50Interest-bearing balances
  • $41,348Securities
  • $5,821Federal funds sold & reverse repurchase agreements
  • $195,044Net loans & leases
  • $2,579Loan loss allowance
  • $0Trading account assets
  • $7,225Bank premises and fixed assets
  • $1,201Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,501All other assets
  • $270,318Total liabilities and capital
  • $250,855Total liabilities
  • $237,003Total deposits
  • $182,276Interest-bearing deposits
  • $237,003Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $12,287Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,565All other liabilities
  • $19,463Total equity capital
  • $19,463Total bank equity capital
  • $19,463Perpetual preferred stock
  • $0Common stock
  • $1,500Surplus
  • $11,445Undivided profits
  • Memoranda
  • $6,518Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $497Earning assets
  • $0Long-term assets (5+ years)
  • $1,163Average Assets, year-to-date
  • $242,263Average Assets, quarterly
  • $15,982Volatile liabilities
  • $238,724Insider loans
  • $263,039FHLB advances
  • $69,286Loans and leases held for sale
  • $4,907Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $50,595Total unused commitments
  • $0Restructured Loans and leases
  • $220,922Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $19,788Total interest income
  • $8,045Total interest expense
  • $11,743Net interest income
  • $556Provision for loan and lease losses
  • $2,251Total noninterest income
  • $0Fiduciary activities
  • $1,647Service charges on deposit accounts
  • $0Trading account gains & fees
  • $604Additional noninterest income
  • $8,266Total noninterest expense
  • $4,393Salaries and employee benefits
  • $1,448Premises and equipment expense
  • $2,425Additional noninterest expense
  • $5,172Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,944Applicable income taxes
  • $3,228Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,228Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $339Sale, conversion, retirement of capital stock, net
  • $700Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.23%Yield on earning assets
  • 3.75%Cost of funding earning assets
  • 5.48%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.86%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 2.17%Pretax return on assets
  • 18.40%Return on equity (ROE)
  • 14.41%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 164.01%Credit loss provision to net charge-offs
  • 16.90%Efficiency ratio
  • 59,068Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.69%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 518.91%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 82.30%Net loans and leases to core deposits
  • 108.36%Equity capital to assets
  • 7.20%Core capital (leverage) ratio
  • 7.45%Tier 1 risk-based capital ratio
  • 8.81%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $238,724Average earning assets
  • $17,545Average equity
  • $214,420Average loans

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