CNLBank in Orlando, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


CNLBank - Overview

  • General
  • FDIC Certificate #: 34427
    Status: Active
    Federal Reserve ID: 2596262
    Bank Holding Company (Regulatory Top Holder): Cnlbancshares, Inc. (RSSDID: 2705943, Location: Orlando, FL)
    Date Established: July 28, 1997
    WWW: http://www.cnlbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Domestic: 16, Interstate: No)
    OTS Docket #: 15860
    FDIC's unique #: 57190
    Numeric code: 21
    Regulator: FDIC
    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: July 28, 1997
    Last Structure Change Effective Date: June 24, 2009
    Last Structure Change Process Date: June 24, 2009
    Last Data Update: June 24, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 450 South Orange Avenue, 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: $1,393.1 mil
    Equity capital: $117.8 mil
    Deposits held in domestic offices: $1,162.1 mil
    Return on assets (ROA): -0.62% (-$8.6 mil)
    Quarterly return on assets: -0.99% (-$13.8 mil)
    Return on Equity (ROE): -7.46% (-$8.8 mil)
    Quarterly return on equity: -11.64% (-$13.7 mil)
    Net income: -$8.8 mil
    Quarterly Net income: -$3.5 mil
    Pretax return on assets: -0.99% (-$13,791.3 mil)
    Quarterly Pretax return on assets: -1.66% (-$23,124.7 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
  • 189Total employees (full-time equivalent)
  • $1,393,056Total assets
  • $47,915Cash and due from depository institutions
  • $45,788Interest-bearing balances
  • $351,878Securities
  • $1,616Federal funds sold & reverse repurchase agreements
  • $875,260Net loans & leases
  • $20,807Loan loss allowance
  • $0Trading account assets
  • $17,904Bank premises and fixed assets
  • $40,072Other real estate owned
  • $0Goodwill and other intangibles
  • $1,393,056Life insurance assets
  • $58,411All other assets
  • $1,275,207Total liabilities and capital
  • $1,162,140Total liabilities
  • $838,281Total deposits
  • $1,162,140Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 18182.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $87,000Trading liabilities
  • $0Other borrowed funds
  • $7,885Subordinated debt
  • $117,849All other liabilities
  • $117,849Total equity capital
  • $117,849Total bank equity capital
  • $0Perpetual preferred stock
  • $2,793Common stock
  • $159,989Surplus
  • $-44,933Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $68,685Income earned, not collected on loans
  • $0Earning assets
  • $4,406Long-term assets (5+ years)
  • $1,274,542Average Assets, year-to-date
  • $374,880Average Assets, quarterly
  • $1,428,537Volatile liabilities
  • $1,402,656Insider loans
  • $938,025FHLB advances
  • $1,375,168Loans and leases held for sale
  • $4,395Unused loan commitments
  • $4,395Tier 1 (core) risk-based capital
  • $73,849Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $130,973Restructured Loans and leases
  • $19,167Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $61,533Total interest income
  • $13,377Total interest expense
  • $48,156Net interest income
  • $14,712Provision for loan and lease losses
  • -$2,003Total noninterest income
  • $0Fiduciary activities
  • $989Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$2,992Additional noninterest income
  • $46,646Total noninterest expense
  • $18,355Salaries and employee benefits
  • $7,111Premises and equipment expense
  • $21,180Additional noninterest expense
  • -$15,205Pre-tax net operating income
  • $1,118Securities gains (losses)
  • -$5,268Applicable income taxes
  • -$8,819Income before extraordinary items
  • $0Extraordinary gains - net
  • -$8,819Net income attributable to bank
  • $0Net charge-offs
  • -$8,819Cash dividends
  • $38,568Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.69%Net interest margin
  • -0.15%Noninterest income to earning assets
  • 3.58%Noninterest expense to earning assets
  • -0.67%Net operating income to assets
  • -0.62%Return on assets (ROA)
  • -0.99%Pretax return on assets
  • -7.46%Return on equity (ROE)
  • -7.46%Retained earnings to average equity (YTD only)
  • 3.99%Net charge-offs to loans
  • 38.15%Credit loss provision to net charge-offs
  • -0.01%Efficiency ratio
  • 101,068Assets per employee
  • 7.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.32%Loss allowance to noncurrent loans
  • 30.29%Noncurrent assets plus other real estate owned to assets
  • 7.81%Noncurrent loans to loans
  • 7.67%Net loans and leases to deposits
  • 75.31%Net loans and leases to core deposits
  • 79.36%Equity capital to assets
  • 8.46%Core capital (leverage) ratio
  • 5.37%Tier 1 risk-based capital ratio
  • 7.87%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $1,428,537Average earning assets
  • $118,198Average equity
  • $1,304,467Average loans

List of branches

  • 16 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057190Cnlbank450 South Orange Avenue, Orlando, FL 32801July 28, 1997Full Service Brick and Mortar
    1294923Lake Mary Branch1200 International Parkway South, Heathrow, FL 32746January 12, 2000Full Service Brick and Mortar
    2419369Dr. Phillips Office Branch7625 Sandlake Road, Orlando, FL 32819July 08, 2002Full Service Brick and Mortar
    3419370Winter Park Office Branch200 E. New England Avenue, Winter Park, FL 32789June 13, 2003Full Service Brick and Mortar
    8465720Boca Raton Branch197 S. Federal Highway, Boca Raton, FL 33432November 01, 2006Full Service Brick and Mortar
    9478371Coral Gables Branch550 Biltmore Way, Coral Gables, FL 33134April 14, 2008Full Service Brick and Mortar
    11489379Aventura Branch19027-29 Biscayne Boulevard, Aventura, FL 33180September 29, 2008Full Service Brick and Mortar
    12437022Deerwood Park Branch10739 Deerwood Park Boulevard, Suite 100, Jacksonville, FL 32255November 09, 2005Full Service Brick and Mortar
    13466317Ponte Vedra Branch330 A1a North, Suite 324, Ponte Vedra Beach, FL 32082April 09, 2007Full Service Brick and Mortar
    14473040St. Augustine Branch1850 Old Moultrie Road, Saint Augustine, FL 32086March 10, 2008Full Service Brick and Mortar
    15489869Las Olas Branch888 East Las Olas Blvd, Fort Lauderdale, FL 33301April 01, 2009Full Service Brick and Mortar
    16456287Bonita Springs Branch9160 Bonita Beach Road, Bonita Springs, FL 34135July 13, 2007Full Service Brick and Mortar
    17451736Sarasota Branch1567 Main Street, Sarasota, FL 34236May 03, 2006Full Service Brick and Mortar
    18473823Fort Myers Branch5220 Summerlin Commons Boulevard, Fort Myers, FL 33919April 04, 2008Full Service Brick and Mortar
    19478376Magnolia Square Branch1435 Pine Ridge Rd, Naples, FL 34109January 28, 2008Full Service Brick and Mortar
    20478377Estero Branch7996 Mediterranean Dr, Estero, FL 33928June 16, 2008Full Service Brick and Mortar

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