EverBank in Jacksonville, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • EverBank in Jacksonville, Florida (FL)
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EverBank - Overview

  • General
  • FDIC Certificate #: 34775
    Status: Active
    Federal Reserve ID: 2735146
    Date Established: October 01, 1998
    WWW: http://www.everbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 20 (Domestic: 20, Interstate: No)
    OTS Docket #: 15115
    FDIC's unique #: 61548
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: October 01, 1998
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 501 Riverside Avenue, Jacksonville, FL 32202
    County: Duval
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Gainesville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Jacksonville, FL (#3600)
    Core Based Statistical Area (CBSA): Jacksonville, FL (#27260)
    CBSA Metro Statistical Area: Jacksonville, FL (#27260)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $13,040.0 mil
    Equity capital: $1,070.9 mil
    Deposits held in domestic offices: $10,276.1 mil
    Return on assets (ROA): 0.45% ($58.7 mil)
    Quarterly return on assets: 0.48% ($62.6 mil)
    Return on Equity (ROE): 5.03% ($53.9 mil)
    Quarterly return on equity: 5.70% ($61.0 mil)
    Net income: $55.5 mil
    Quarterly Net income: $15.3 mil
    Pretax return on assets: 0.69% ($89,975.7 mil)
    Quarterly Pretax return on assets: 0.62% ($80,847.7 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
  • 2,449Total employees (full-time equivalent)
  • $13,039,950Total assets
  • $294,407Cash and due from depository institutions
  • $266,628Interest-bearing balances
  • $1,316,161Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $9,260,055Net loans & leases
  • $77,765Loan loss allowance
  • $777,280Trading account assets
  • $90,744Bank premises and fixed assets
  • $118,281Other real estate owned
  • $516,136Goodwill and other intangibles
  • $13,039,950Life insurance assets
  • $666,886All other assets
  • $11,969,063Total liabilities and capital
  • $10,276,051Total liabilities
  • $9,037,060Total deposits
  • $10,276,051Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 20394.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,237,485Trading liabilities
  • $0Other borrowed funds
  • $435,133Subordinated debt
  • $1,070,887All other liabilities
  • $1,070,887Total equity capital
  • $1,070,887Total bank equity capital
  • $0Perpetual preferred stock
  • $5Common stock
  • $769,811Surplus
  • $301,071Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,920,375Income earned, not collected on loans
  • $1,577,301Earning assets
  • $78,467Long-term assets (5+ years)
  • $11,620,124Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $12,402,495Volatile liabilities
  • $12,795,344Insider loans
  • $7,043,371FHLB advances
  • $13,081,401Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,026,612Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $921,498Restructured Loans and leases
  • $4,777Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $604,698Total interest income
  • $129,396Total interest expense
  • $475,302Net interest income
  • $49,704Provision for loan and lease losses
  • $206,503Total noninterest income
  • $0Fiduciary activities
  • $265Service charges on deposit accounts
  • $77,841Trading account gains & fees
  • $128,397Additional noninterest income
  • $560,103Total noninterest expense
  • $238,861Salaries and employee benefits
  • $56,724Premises and equipment expense
  • $264,518Additional noninterest expense
  • $71,998Pre-tax net operating income
  • $13,593Securities gains (losses)
  • $30,138Applicable income taxes
  • $55,453Income before extraordinary items
  • $0Extraordinary gains - net
  • $55,453Net income attributable to bank
  • $0Net charge-offs
  • $55,453Cash dividends
  • $56,719Sale, conversion, retirement of capital stock, net
  • $8,800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.55%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 4.36%Net interest margin
  • 1.89%Noninterest income to earning assets
  • 5.14%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 5.03%Return on equity (ROE)
  • 4.23%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 87.63%Credit loss provision to net charge-offs
  • 2.15%Efficiency ratio
  • 81,444Assets per employee
  • 5.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.87%Loss allowance to loans
  • 0.83%Loss allowance to noncurrent loans
  • 4.05%Noncurrent assets plus other real estate owned to assets
  • 15.63%Noncurrent loans to loans
  • 20.57%Net loans and leases to deposits
  • 90.11%Net loans and leases to core deposits
  • 120.23%Equity capital to assets
  • 8.21%Core capital (leverage) ratio
  • 8.01%Tier 1 risk-based capital ratio
  • 14.58%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $12,402,495Average earning assets
  • $1,103,453Average equity
  • $10,898,842Average loans

List of branches

  • 20 Florida Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    061548Everbank501 Riverside Avenue, Jacksonville, FL 32202October 01, 1998Full Service Brick and Mortar
    113615Jacksonville Branch501 Riverside Ave, Jacksonville, FL 32202May 27, 1968Full Service Brick and Mortar
    2249606Oceanway Branch104 New Berlin Road, Jacksonville, FL 32218April 09, 1983Full Service Brick and Mortar
    3249609Ashleigh Plaza Branch10400-01 San Jose Boulevard, Jacksonville, FL 32257September 15, 1988Full Service Brick and Mortar
    4495963Normandy Branch7749 Normandy Blvd, Jacksonville, FL 32221September 21, 2006Full Service Brick and Mortar
    5362495Bank Of Florda-Southeast Branch200 Sw First Avenue, Fort Lauderdale, FL 33301July 16, 2002Full Service Brick and Mortar
    6423179Messenger Service Branch200 Sw First Avenue, Fort Lauderdale, FL 33301July 16, 2002Limited Service Messenger
    7432441Boca Raton Branch595 South Federal Highway, Suite 100, Boca Raton, FL 33432October 04, 2004Full Service Brick and Mortar
    8433283North Broward Branch2521 East Commercial Blvd, Fort Lauderdale, FL 33308November 15, 2004Full Service Brick and Mortar
    9454787Aventura Branch19058 Ne 29th Avenue, Aventura, FL 33180August 02, 2006Full Service Brick and Mortar
    11480115Coral Gables Branch20 Giralda Avenue, Coral Gables, FL 33134July 28, 2008Full Service Brick and Mortar
    1274895Bank Of Florida-Southwest Branch1185 Immokalee Road, Naples, FL 34110August 24, 1999Full Service Brick and Mortar
    13365483Tamiami Trail North Branch3401 Tamiami Trail North, Naples, FL 34103August 12, 2002Full Service Brick and Mortar
    15418472Messenger Service Branch6321 Daniels Parkway, Fort Myers, FL 33912May 01, 2000Limited Service Messenger
    1761649Daniels Branch6321 Daniels Parkway, Fort Myers, FL 33912September 10, 1998Full Service Brick and Mortar
    18426553Bank Of Florida-Tampa Bay Branch777 South Harbour Island Boulevard, Suites 125 And 940, Tampa, FL 33602November 05, 2004Full Service Brick and Mortar
    19433880Messenger Service777 South Harbor Island Boulevard, Tampa, FL 33602December 20, 2004Limited Service Messenger
    20442522Administrative Offices Branch777 S. Harbour Island Blvd., Suite 100, Tampa, FL 33602June 01, 2005Limited Service Administrative
    21468286Clearwater Branch26417 U.S. Highway 19 North, Clearwater, FL 33761August 16, 2007Full Service Brick and Mortar
    22526138Jacksonville Main Office Branch501 Riverside Avenue, Jacksonville, FL 32202October 01, 1998Full Service Cyber

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