Calusa National Bank in Punta Gorda, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Calusa National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 33Total employees (full-time equivalent)
  • $149,393Total assets
  • $6,204Cash and due from depository institutions
  • $4,710Interest-bearing balances
  • $34,266Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $97,861Net loans & leases
  • $2,002Loan loss allowance
  • $0Trading account assets
  • $8,197Bank premises and fixed assets
  • $1,057Other real estate owned
  • $0Goodwill and other intangibles
  • $149,393Life insurance assets
  • $1,808All other assets
  • $136,090Total liabilities and capital
  • $130,910Total liabilities
  • $118,345Total deposits
  • $130,910Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $180Subordinated debt
  • $13,303All other liabilities
  • $13,303Total equity capital
  • $13,303Total bank equity capital
  • $0Perpetual preferred stock
  • $10,235Common stock
  • $10,680Surplus
  • $-7,612Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $626Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,055Income earned, not collected on loans
  • $0Earning assets
  • $554Long-term assets (5+ years)
  • $136,837Average Assets, year-to-date
  • $56,043Average Assets, quarterly
  • $147,052Volatile liabilities
  • $148,434Insider loans
  • $88,470FHLB advances
  • $148,732Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,088Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,399Restructured Loans and leases
  • $2,017Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,775Total interest income
  • $1,141Total interest expense
  • $5,634Net interest income
  • $1,507Provision for loan and lease losses
  • $294Total noninterest income
  • $0Fiduciary activities
  • $17Service charges on deposit accounts
  • $0Trading account gains & fees
  • $277Additional noninterest income
  • $4,632Total noninterest expense
  • $2,677Salaries and employee benefits
  • $711Premises and equipment expense
  • $1,244Additional noninterest expense
  • -$211Pre-tax net operating income
  • $377Securities gains (losses)
  • -$276Applicable income taxes
  • $442Income before extraordinary items
  • $0Extraordinary gains - net
  • $442Net income attributable to bank
  • $0Net charge-offs
  • $442Cash dividends
  • $1,149Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.11%Pretax return on assets
  • 3.51%Return on equity (ROE)
  • 3.51%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 131.16%Credit loss provision to net charge-offs
  • 1.13%Efficiency ratio
  • 78,138Assets per employee
  • 4.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 189.76%Noncurrent assets plus other real estate owned to assets
  • 1.41%Noncurrent loans to loans
  • 1.06%Net loans and leases to deposits
  • 74.75%Net loans and leases to core deposits
  • 83.23%Equity capital to assets
  • 8.90%Core capital (leverage) ratio
  • 8.80%Tier 1 risk-based capital ratio
  • 14.79%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $147,052Average earning assets
  • $12,592Average equity
  • $134,990Average loans

List of branches

  • 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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