FDIC Certificate #: 32113 Status: Inactive Closing history: Change in Location Acquiring institution:Premier Community Bank of Florida (#26587) Federal Reserve ID: 736372 Date Established: Febuary 27, 1982 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 7867 FDIC's unique #: 44947 Numeric code: 33 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: Febuary 27, 1982 Last Structure Change Effective Date: July 10, 1998 Last Structure Change Process Date: August 04, 1998 Last Data Update: August 04, 1998 Data Source Date: April 05, 2012
Location
Address: 6850 Central Avenue, Saint Petersburg, FL 33707 County: Pinellas 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): Tampa-St. Petersburg-Clearwater, FL (#8280) Core Based Statistical Area (CBSA): Tampa-St. Petersburg-Clearwater, FL (#45300) CBSA Metro Statistical Area: Tampa-St. Petersburg-Clearwater, FL (#45300)
History of Changes
Merger - Without Assistance
Change in Location
Financial Summary
Total assets: $161.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
41Total employees (full-time equivalent)
$177,100Total assets
$12,142Cash and due from depository institutions
$9,055Interest-bearing balances
$20,072Securities
$14,500Federal funds sold & reverse repurchase agreements
$115,960Net loans & leases
$2,235Loan loss allowance
$0Trading account assets
$3,435Bank premises and fixed assets
$230Other real estate owned
$7,292Goodwill and other intangibles
$0Life insurance assets
$3,469All other assets
$177,100Total liabilities and capital
$156,563Total liabilities
$156,034Total deposits
$156,034Interest-bearing deposits
$156,034Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$529All other liabilities
$20,537Total equity capital
$20,537Total bank equity capital
$20,537Perpetual preferred stock
$0Common stock
$0Surplus
$20,749Undivided profits
Memoranda
$-212Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,787Earning assets
$0Long-term assets (5+ years)
$660Average Assets, year-to-date
$159,587Average Assets, quarterly
$0Volatile liabilities
$167,674Insider loans
$170,896FHLB advances
$23,505Loans and leases held for sale
$590Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,850Total unused commitments
$0Restructured Loans and leases
$102,236Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$12,420Total interest income
$7,144Total interest expense
$5,276Net interest income
$1,347Provision for loan and lease losses
$618Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$618Additional noninterest income
$3,803Total noninterest expense
$1,791Salaries and employee benefits
$757Premises and equipment expense
$1,255Additional noninterest expense
$744Pre-tax net operating income
$315Securities gains (losses)
$27Applicable income taxes
$1,032Income before extraordinary items
$0Extraordinary gains - net
$1,032Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$294Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.95%Yield on earning assets
4.57%Cost of funding earning assets
3.38%Net interest margin
0.40%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
0.43%Net operating income to assets
0.62%Return on assets (ROA)
0.63%Pretax return on assets
7.35%Return on equity (ROE)
7.35%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
458.16%Credit loss provision to net charge-offs
7.11%Efficiency ratio
64,455Assets per employee
4.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.89%Loss allowance to noncurrent loans
125.07%Noncurrent assets plus other real estate owned to assets
1.14%Noncurrent loans to loans
1.51%Net loans and leases to deposits
74.32%Net loans and leases to core deposits
87.50%Equity capital to assets
11.60%Core capital (leverage) ratio
7.80%Tier 1 risk-based capital ratio
12.95%Total risk-based capital ratio
Memoranda
$14Average assets
$167,674Average earning assets
$14,044Average equity
$156,265Average loans
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