Calusa National Bank in Punta Gorda, Florida (FL)

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Calusa National Bank
GeneralFDIC Certificate #: 58512
Status: Active
Federal Reserve ID: 3571015
Bank Holding Company (Regulatory Top Holder): Calusa Financial Corporation, Inc. (RSSDID: 3571006, Location: Punta Gorda, FL)
Date Established: April 23, 2007
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 455077
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: April 23, 2007
Last Structure Change Effective Date: August 24, 2009
Last Structure Change Process Date: October 01, 2010
Last Data Update: October 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 3105 Tamiami Trail, Punta Gorda, FL 33950
County: Charlotte
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): Punta Gorda, FL (#6580)
Combined Statistical Area (CSA): Sarasota-Bradenton-Punta Gorda, FL (#494)
Core Based Statistical Area (CBSA): Punta Gorda, FL (#39460)
CBSA Metro Statistical Area: Punta Gorda, FL (#39460)
History of ChangesChange in Location
Financial SummaryTotal assets: $149.4 mil
Equity capital: $13.3 mil
Deposits held in domestic offices: $130.9 mil
Return on assets (ROA): 0.30% ($0.4 mil)
Quarterly return on assets: 0.62% ($0.9 mil)
Return on Equity (ROE): 3.51% ($0.5 mil)
Quarterly return on equity: 7.01% ($0.9 mil)
Net income: $0.4 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.11% ($164.3 mil)
Quarterly Pretax return on assets: -0.12% (-$179.3 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)
Total employees (full-time equivalent)33
Total assets$149,393
Cash and due from depository institutions$6,204
Interest-bearing balances$4,710
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$97,861
Loan loss allowance $2,002
Trading account assets$0
Bank premises and fixed assets$8,197
Other real estate owned$1,057
Goodwill and other intangibles$0
All other assets$1,808
Life insurance assets$149,393
Total liabilities and capital$136,090
Total liabilities$130,910
Total deposits$118,345
Interest-bearing deposits$130,910
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $180
All other liabilities $13,303
Total equity capital$13,303
Total bank equity capital$13,303
Perpetual preferred stock$0
Common stock$10,235
Undivided profits $-7,612
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $626
Income earned, not collected on loans $1,055
Earning assets $0
Long-term assets (5+ years) $554
Average Assets, year-to-date $136,837
Average Assets, quarterly $56,043
Volatile liabilities $147,052
Insider loans $148,434
FHLB advances $88,470
Loans and leases held for sale $148,732
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,088
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,399
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,775
Total interest expense $1,141
Net interest income $5,634
Provision for loan and lease losses $1,507
Total noninterest income $294
Fiduciary activities $0
Service charges on deposit accounts $17
Trading account gains & fees $0
Additional noninterest income $277
Total noninterest expense $4,632
Salaries and employee benefits $2,677
Premises and equipment expense $711
Additional noninterest expense $1,244
Pre-tax net operating income -$211
Securities gains (losses) $377
Applicable income taxes -$276
Income before extraordinary items $442
Extraordinary gains - net $0
Net income attributable to bank $442
Net charge-offs $0
Cash dividends $442
Sale, conversion, retirement of capital stock, net $1,149
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.02%
Cost of funding earning assets 0.85%
Net interest margin 4.17%
Noninterest income to earning assets 0.22%
Noninterest expense to earning assets 3.43%
Net operating income to assets 0.04%
Return on assets (ROA) 0.30%
Pretax return on assets 0.11%
Return on equity (ROE) 3.51%
Retained earnings to average equity (YTD only) 3.51%
Net charge-offs to loans 1.17%
Credit loss provision to net charge-offs 131.16%
Efficiency ratio1.13%
Assets per employee$78,138
Cash dividends to net income (YTD only)4.53%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.00%
Noncurrent assets plus other real estate owned to assets 189.76%
Noncurrent loans to loans 1.41%
Net loans and leases to deposits1.06%
Net loans and leases to core deposits 74.75%
Equity capital to assets 83.23%
Core capital (leverage) ratio 8.90%
Tier 1 risk-based capital ratio 8.80%
Total risk-based capital ratio 14.79%
Average assets$16
Average earning assets$147,052
Average equity $12,592
Average loans $134,990
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4 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0455077Calusa National Bank3105 Tamiami Trail, Punta Gorda, FL 33950April 23, 2007Full Service Brick and Mortar
1469308Messenger Service Branch3105 Tamiami Trail, Punta Gorda, FL 33950August 06, 2007Limited Service Messenger
2469616Murdock Branch1850 Tamiami Trail, Port Charlotte, FL 33948October 22, 2007Full Service Brick and Mortar
3492951North Port Office Branch14942 Tamiami Trail, North Port, FL 34287October 09, 2008Full Service Brick and Mortar
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