Fifth Third Trust Co. and Savings Bank, F.S.B. in Naples, Florida (FL)

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Fifth Third Trust Co. and Savings Bank, F.S.B.
GeneralFDIC Certificate #: 33501
Status: Inactive
Closing history: Corrections
Acquiring institution: Fifth Third Bank, Florida (#27542)
Federal Reserve ID: 1896442
Date Established: September 13, 1991
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 9441
FDIC's unique #: 47249
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: September 13, 1991
Last Structure Change Effective Date: September 09, 1995
Last Structure Change Process Date: October 03, 1995
Last Data Update: April 05, 1996
Data Source Date: April 05, 2012
LocationAddress: 4099 Tamiami Trail North, Naples, FL 33941
County: Collier
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: South Florida
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Naples, FL (#5345)
Core Based Statistical Area (CBSA): Naples-Marco Island, FL (#34940)
CBSA Metro Statistical Area: Naples-Marco Island, FL (#34940)
History of ChangesMerger - Without Assistance
Financial SummaryTotal assets: $80.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$22
Cash and due from depository institutions$70,077
Interest-bearing balances$2,239
Federal funds sold & reverse repurchase agreements$22,579
Net loans & leases$2,000
Loan loss allowance $38,912
Trading account assets$393
Bank premises and fixed assets$0
Other real estate owned$2,192
Goodwill and other intangibles$0
All other assets$671
Life insurance assets$1,484
Total liabilities and capital$0
Total liabilities$70,077
Total deposits$65,390
Interest-bearing deposits$39,374
Deposits held in domestic offices$39,374
% insured (estimated)39374.00%
Federal funds purchased & repurchase agreements $88
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $25,150
All other liabilities $0
Total equity capital$866
Total bank equity capital$866
Perpetual preferred stock$4,687
Common stock$0
Undivided profits $4,000
Noncurrent loans and leases $-813
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $174
Long-term assets (5+ years) $64,008
Average Assets, year-to-date $0
Average Assets, quarterly $62,562
Volatile liabilities $68,654
Insider loans $34,051
FHLB advances $1,801
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $4,532
Tier 2 risk-based capital $0
Total risk weighted assets $4,729
Total unused commitments $34,060
Restructured Loans and leases $0
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Income and Expense (December 31, 1994)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $3,837
Net interest income $2,273
Provision for loan and lease losses $1,564
Total noninterest income $161
Fiduciary activities $668
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $0
Total noninterest expense $668
Salaries and employee benefits $1,662
Premises and equipment expense $895
Additional noninterest expense $318
Pre-tax net operating income $449
Securities gains (losses) $409
Applicable income taxes $66
Income before extraordinary items $173
Extraordinary gains - net $302
Net income attributable to bank $0
Net charge-offs $302
Cash dividends $12
Sale, conversion, retirement of capital stock, net $0
Net operating income $0
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Performance and Condition Ratios (December 31, 1994)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 6.77%
Net interest margin 4.01%
Noninterest income to earning assets 2.76%
Noninterest expense to earning assets 1.18%
Net operating income to assets 2.93%
Return on assets (ROA) 0.42%
Pretax return on assets 0.48%
Return on equity (ROE) 0.76%
Retained earnings to average equity (YTD only) 6.23%
Net charge-offs to loans 6.23%
Credit loss provision to net charge-offs 0.04%
Efficiency ratio1341.67%
Assets per employee$71,909
Cash dividends to net income (YTD only)3.19%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.00%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 98.83%
Equity capital to assets 127.69%
Core capital (leverage) ratio 6.69%
Tier 1 risk-based capital ratio 6.74%
Total risk-based capital ratio 13.88%
Average assets$15
Average earning assets$62,562
Average equity $4,844
Average loans $56,651
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