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

This bank is inactive as of April 29, 2011

First National Bank of Central Florida - Overview

  • General
  • FDIC Certificate #: 26297
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Florida Community Bank, National Association (#58991)
    Federal Reserve ID: 605133
    Date Established: July 15, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    FDIC's unique #: 32715
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: July 15, 1985
    Last Structure Change Effective Date: April 29, 2011
    Last Structure Change Process Date: May 02, 2011
    Last Data Update: May 02, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 369 North New York 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: $342.1 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, 2010)

  • Dollar figures in thousands
  • 74Total employees (full-time equivalent)
  • $352,016Total assets
  • $28,691Cash and due from depository institutions
  • $25,106Interest-bearing balances
  • $37,607Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $245,273Net loans & leases
  • $11,732Loan loss allowance
  • $0Trading account assets
  • $8,234Bank premises and fixed assets
  • $15,862Other real estate owned
  • $0Goodwill and other intangibles
  • $9,079Life insurance assets
  • $16,349All other assets
  • $352,016Total liabilities and capital
  • $346,676Total liabilities
  • $312,143Total deposits
  • $279,344Interest-bearing deposits
  • $312,143Deposits held in domestic offices
  • 90.42%% insured (estimated)
  • $1,526Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $31,000Other borrowed funds
  • $0Subordinated debt
  • $2,007All other liabilities
  • $5,340Total equity capital
  • $5,340Total bank equity capital
  • $5,340Perpetual preferred stock
  • $3,226Common stock
  • $4,391Surplus
  • $31,337Undivided profits
  • Memoranda
  • $-33,614Noncurrent loans and leases
  • $12,904Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $68,356Earning assets
  • $0Long-term assets (5+ years)
  • $1,149Average Assets, year-to-date
  • $307,986Average Assets, quarterly
  • $53,453Volatile liabilities
  • $404,570Insider loans
  • $374,788FHLB advances
  • $117,801Loans and leases held for sale
  • $1,889Unused loan commitments
  • $31,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,125Total risk weighted assets
  • $12,904Total unused commitments
  • $0Restructured Loans and leases
  • $3,469Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $15,131Total interest income
  • $6,400Total interest expense
  • $8,731Net interest income
  • $17,966Provision for loan and lease losses
  • -$3,300Total noninterest income
  • $0Fiduciary activities
  • $556Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$3,856Additional noninterest income
  • $12,599Total noninterest expense
  • $5,246Salaries and employee benefits
  • $2,005Premises and equipment expense
  • $5,348Additional noninterest expense
  • -$25,134Pre-tax net operating income
  • $984Securities gains (losses)
  • $6,851Applicable income taxes
  • -$31,001Income before extraordinary items
  • $0Extraordinary gains - net
  • -$31,001Net income attributable to bank
  • $0Net charge-offs
  • -$31,001Cash dividends
  • $17,267Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 1.80%Cost of funding earning assets
  • 2.46%Net interest margin
  • -0.93%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • -7.91%Net operating income to assets
  • -7.66%Return on assets (ROA)
  • -5.97%Pretax return on assets
  • -121.26%Return on equity (ROE)
  • -121.26%Retained earnings to average equity (YTD only)
  • 5.98%Net charge-offs to loans
  • 104.05%Credit loss provision to net charge-offs
  • -0.42%Efficiency ratio
  • 231,983Assets per employee
  • 4.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.56%Loss allowance to noncurrent loans
  • 17.16%Noncurrent assets plus other real estate owned to assets
  • 23.92%Noncurrent loans to loans
  • 26.60%Net loans and leases to deposits
  • 78.58%Net loans and leases to core deposits
  • 123.33%Equity capital to assets
  • 1.52%Core capital (leverage) ratio
  • 1.41%Tier 1 risk-based capital ratio
  • 1.96%Total risk-based capital ratio
  • Memoranda
  • $3Average assets
  • $404,570Average earning assets
  • $25,566Average equity
  • $355,026Average loans

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