Central National Bank in Winter Park, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 29, 1994

  • Central National Bank in Winter Park, Florida (FL)
  • Show street view No street view available for this location

Central National Bank - Overview

  • General
  • FDIC Certificate #: 26938
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank, National Association (#27366)
    Federal Reserve ID: 125734
    Date Established: April 01, 1987
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 36332
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: April 01, 1987
    Last Structure Change Effective Date: April 29, 1994
    Last Structure Change Process Date: May 16, 1994
    Last Data Update: May 16, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 1245 West Fairbanks Avenue, Winter Park, FL 32789
    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: $30.8 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)
  • $21Total assets
  • $27,087Cash and due from depository institutions
  • $1,643Interest-bearing balances
  • $0Securities
  • $7,341Federal funds sold & reverse repurchase agreements
  • $1,000Net loans & leases
  • $16,237Loan loss allowance
  • $716Trading account assets
  • $0Bank premises and fixed assets
  • $465Other real estate owned
  • $92Goodwill and other intangibles
  • $309Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $27,087Total liabilities
  • $26,387Total deposits
  • $26,209Interest-bearing deposits
  • $18,609Deposits held in domestic offices
  • 26209.00%% insured (estimated)
  • $78Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $178Total equity capital
  • $178Total bank equity capital
  • $700Perpetual preferred stock
  • $0Common stock
  • $2,057Surplus
  • $1,741Undivided profits
  • Memoranda
  • $-3,098Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $744Income earned, not collected on loans
  • $89Earning assets
  • $24,578Long-term assets (5+ years)
  • $901Average Assets, year-to-date
  • $34,356Average Assets, quarterly
  • $30,800Volatile liabilities
  • $3,217Insider loans
  • $925FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,452Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $700Total risk weighted assets
  • $18,424Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,137Total interest expense
  • $685Net interest income
  • $1,452Provision for loan and lease losses
  • $470Total noninterest income
  • $608Fiduciary activities
  • $0Service charges on deposit accounts
  • $335Trading account gains & fees
  • $0Additional noninterest income
  • $273Total noninterest expense
  • $2,571Salaries and employee benefits
  • $1,244Premises and equipment expense
  • $485Additional noninterest expense
  • $842Pre-tax net operating income
  • -$981Securities gains (losses)
  • $27Applicable income taxes
  • $0Income before extraordinary items
  • -$954Extraordinary gains - net
  • $0Net income attributable to bank
  • -$954Net charge-offs
  • $532Cash 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
  • 7.46%Cost of funding earning assets
  • 2.39%Net interest margin
  • 5.07%Noninterest income to earning assets
  • 2.12%Noninterest expense to earning assets
  • 8.97%Net operating income to assets
  • -2.86%Return on assets (ROA)
  • -2.78%Pretax return on assets
  • -2.78%Return on equity (ROE)
  • -64.85%Retained earnings to average equity (YTD only)
  • -64.85%Net charge-offs to loans
  • 2.40%Credit loss provision to net charge-offs
  • 88.35%Efficiency ratio
  • 124,806Assets per employee
  • 1.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.22%Loss allowance to noncurrent loans
  • 96.24%Noncurrent assets plus other real estate owned to assets
  • 3.09%Noncurrent loans to loans
  • 4.39%Net loans and leases to deposits
  • 61.95%Net loans and leases to core deposits
  • 70.62%Equity capital to assets
  • 2.58%Core capital (leverage) ratio
  • 2.23%Tier 1 risk-based capital ratio
  • 3.80%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $34,356Average earning assets
  • $1,471Average equity
  • $28,652Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Central National Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents