Bancflorida, A Federal Savings Bank in Naples, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 1994

  • Bancflorida, A Federal Savings Bank in Naples, Florida (FL)
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Bancflorida, A Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 30654
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First Union National Bank of Florida (#24398)
    Federal Reserve ID: 50470
    Date Established: August 07, 1953
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 5692
    FDIC's unique #: 43488
    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: August 07, 1953
    Last Structure Change Effective Date: August 01, 1994
    Last Structure Change Process Date: August 15, 1994
    Last Data Update: September 25, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 5801 Pelican Bay Blvd, Naples, FL 33942
    County: Collier
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: South Florida
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Naples, FL (#5345)
    Core Based Statistical Area (CBSA): Naples-Marco Island, FL (#34940)
    CBSA Metro Statistical Area: Naples-Marco Island, FL (#34940)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $1,566.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $586Total assets
  • $1,527,978Cash and due from depository institutions
  • $44,744Interest-bearing balances
  • $172Securities
  • $499,331Federal funds sold & reverse repurchase agreements
  • $279Net loans & leases
  • $820,594Loan loss allowance
  • $25,417Trading account assets
  • $9,389Bank premises and fixed assets
  • $38,262Other real estate owned
  • $23,414Goodwill and other intangibles
  • $86,784Life insurance assets
  • $5,181All other assets
  • $0Total liabilities and capital
  • $1,527,978Total liabilities
  • $1,438,886Total deposits
  • $1,213,759Interest-bearing deposits
  • $1,110,925Deposits held in domestic offices
  • 1213759.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $3,948Trading liabilities
  • $0Other borrowed funds
  • $207,475Subordinated debt
  • $2,947All other liabilities
  • $10,757Total equity capital
  • $10,757Total bank equity capital
  • $89,092Perpetual preferred stock
  • $9Common stock
  • $25Surplus
  • $56,971Undivided profits
  • Memoranda
  • $32,087Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $42,644Income earned, not collected on loans
  • $4,973Earning assets
  • $1,329,765Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $1,525,499Average Assets, quarterly
  • $1,539,235Volatile liabilities
  • $333,606Insider loans
  • $1,966FHLB advances
  • $207,000Loans and leases held for sale
  • $0Unused loan commitments
  • $64,543Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $87,664Total risk weighted assets
  • $890,713Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $98,246Total interest expense
  • $62,743Net interest income
  • $35,503Provision for loan and lease losses
  • $5,687Total noninterest income
  • $14,945Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $901Additional noninterest income
  • $14,044Total noninterest expense
  • $37,910Salaries and employee benefits
  • $17,545Premises and equipment expense
  • $7,740Additional noninterest expense
  • $12,625Pre-tax net operating income
  • $6,851Securities gains (losses)
  • $10,446Applicable income taxes
  • $6,043Income before extraordinary items
  • $11,254Extraordinary gains - net
  • $6,550Net income attributable to bank
  • $17,804Net charge-offs
  • $9,084Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.45%Cost of funding earning assets
  • 4.76%Net interest margin
  • 2.69%Noninterest income to earning assets
  • 1.13%Noninterest expense to earning assets
  • 2.88%Net operating income to assets
  • 0.29%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 1.56%Return on equity (ROE)
  • 21.40%Retained earnings to average equity (YTD only)
  • 21.40%Net charge-offs to loans
  • 1.08%Credit loss provision to net charge-offs
  • 62.60%Efficiency ratio
  • 73,949Assets per employee
  • 2.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.00%Loss allowance to noncurrent loans
  • 59.60%Noncurrent assets plus other real estate owned to assets
  • 4.24%Noncurrent loans to loans
  • 5.04%Net loans and leases to deposits
  • 67.61%Net loans and leases to core deposits
  • 75.18%Equity capital to assets
  • 5.83%Core capital (leverage) ratio
  • 5.75%Tier 1 risk-based capital ratio
  • 9.84%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $1,525,499Average earning assets
  • $83,194Average equity
  • $1,318,409Average loans

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