First Colony Bank of Florida in Maitland, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Colony Bank of Florida - Overview

  • General
  • FDIC Certificate #: 58644
    Status: Active
    Federal Reserve ID: 3688548
    Date Established: January 28, 2008
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 461032
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 28, 2008
    Last Structure Change Effective Date: March 09, 2009
    Last Structure Change Process Date: March 20, 2009
    Last Data Update: March 20, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 711 North Orlando Avenue, Maitland, FL 32751
    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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $126.9 mil
    Equity capital: $15.1 mil
    Deposits held in domestic offices: $111.6 mil
    Return on assets (ROA): 0.89% ($1.1 mil)
    Quarterly return on assets: 1.11% ($1.4 mil)
    Return on Equity (ROE): 7.68% ($1.2 mil)
    Quarterly return on equity: 9.60% ($1.4 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.89% ($1,129.2 mil)
    Quarterly Pretax return on assets: 1.11% ($1,408.3 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
  • 15Total employees (full-time equivalent)
  • $126,872Total assets
  • $32,916Cash and due from depository institutions
  • $30,330Interest-bearing balances
  • $15,908Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,558Net loans & leases
  • $1,505Loan loss allowance
  • $0Trading account assets
  • $737Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $126,872Life insurance assets
  • $753All other assets
  • $111,788Total liabilities and capital
  • $111,637Total liabilities
  • $93,966Total deposits
  • $111,637Interest-bearing deposits
  • $61Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $151Subordinated debt
  • $15,084All other liabilities
  • $15,084Total equity capital
  • $15,084Total bank equity capital
  • $0Perpetual preferred stock
  • $7,600Common stock
  • $7,884Surplus
  • $-400Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $590Income earned, not collected on loans
  • $0Earning assets
  • $333Long-term assets (5+ years)
  • $122,796Average Assets, year-to-date
  • $25,564Average Assets, quarterly
  • $123,884Volatile liabilities
  • $129,114Insider loans
  • $82,461FHLB advances
  • $131,314Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,847Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,482Restructured Loans and leases
  • $1,914Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,145Total interest income
  • $1,004Total interest expense
  • $4,141Net interest income
  • $310Provision for loan and lease losses
  • $86Total noninterest income
  • $0Fiduciary activities
  • $46Service charges on deposit accounts
  • $0Trading account gains & fees
  • $40Additional noninterest income
  • $2,812Total noninterest expense
  • $1,547Salaries and employee benefits
  • $420Premises and equipment expense
  • $845Additional noninterest expense
  • $1,105Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,105Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,105Net income attributable to bank
  • $0Net charge-offs
  • $1,105Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.31%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 7.68%Return on equity (ROE)
  • 7.68%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,525Assets per employee
  • 8.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 255.08%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 68.58%Net loans and leases to core deposits
  • 73.30%Equity capital to assets
  • 11.89%Core capital (leverage) ratio
  • 11.31%Tier 1 risk-based capital ratio
  • 18.00%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $123,884Average earning assets
  • $14,390Average equity
  • $119,369Average loans

List of branches

  • 1 Florida Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0461032First Colony Bank Of Florida711 North Orlando Avenue, Maitland, FL 32751January 28, 2008Full Service Brick and Mortar

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