Key Biscayne Bank and Trust Company in Key Biscayne, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 11, 1995

  • Key Biscayne Bank and Trust Company in Key Biscayne, Florida (FL)
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Key Biscayne Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 19061
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Suntrust Bank, Miami, National Association (#3578)
    Federal Reserve ID: 662239
    Date Established: March 10, 1964
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 9383
    FDIC's unique #: 12896
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 01, 1973
    Last Structure Change Effective Date: August 11, 1995
    Last Structure Change Process Date: August 23, 1995
    Last Data Update: September 18, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 95 West Mcintyre Street, Key Biscayne, FL 33149
    County: Miami-Dade
    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): Miami, FL (#5000)
    Consolidated Metropolitan Statistical Area (CMSA): Miami-Fort Lauderdale, FL (#56)
    Core Based Statistical Area (CBSA): Miami-Fort Lauderdale-Pompano Beach, FL (#33100)
    CBSA Metro Statistical Area: Miami-Fort Lauderdale-Pompano Beach, FL (#33100)
    Core Based Statistical Division: Miami-Miami Beach-Kendall, FL (#33124)
  • Financial Summary
  • Total assets: $144.4 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
  • 0Total employees (full-time equivalent)
  • $42Total assets
  • $142,839Cash and due from depository institutions
  • $4,083Interest-bearing balances
  • $0Securities
  • $87,486Federal funds sold & reverse repurchase agreements
  • $2,000Net loans & leases
  • $43,604Loan loss allowance
  • $696Trading account assets
  • $0Bank premises and fixed assets
  • $2,010Other real estate owned
  • $0Goodwill and other intangibles
  • $3,656Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $142,839Total liabilities
  • $128,447Total deposits
  • $116,232Interest-bearing deposits
  • $98,194Deposits held in domestic offices
  • 116232.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $5,725Trading liabilities
  • $0Other borrowed funds
  • $5,923Subordinated debt
  • $0All other liabilities
  • $567Total equity capital
  • $567Total bank equity capital
  • $14,392Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $8,000Undivided profits
  • Memoranda
  • $5,392Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5Income earned, not collected on loans
  • $265Earning assets
  • $133,090Long-term assets (5+ years)
  • $68,161Average Assets, year-to-date
  • $142,672Average Assets, quarterly
  • $142,202Volatile liabilities
  • $36,062Insider loans
  • $228FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,175Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $16,061Total risk weighted assets
  • $65,756Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,441Total interest expense
  • $3,253Net interest income
  • $6,188Provision for loan and lease losses
  • $120Total noninterest income
  • $1,256Fiduciary activities
  • $184Service charges on deposit accounts
  • $623Trading account gains & fees
  • $0Additional noninterest income
  • $449Total noninterest expense
  • $3,194Salaries and employee benefits
  • $1,769Premises and equipment expense
  • $233Additional noninterest expense
  • $1,192Pre-tax net operating income
  • $4,130Securities gains (losses)
  • -$440Applicable income taxes
  • $1,074Income before extraordinary items
  • $2,612Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,616Net charge-offs
  • $30Cash dividends
  • $1,150Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.11%Cost of funding earning assets
  • 2.45%Net interest margin
  • 4.66%Noninterest income to earning assets
  • 0.95%Noninterest expense to earning assets
  • 2.41%Net operating income to assets
  • 2.05%Return on assets (ROA)
  • 1.83%Pretax return on assets
  • 2.59%Return on equity (ROE)
  • 17.92%Retained earnings to average equity (YTD only)
  • 10.04%Net charge-offs to loans
  • 0.07%Credit loss provision to net charge-offs
  • 400.00%Efficiency ratio
  • 42,907Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.96%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 13920.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 37.51%Net loans and leases to core deposits
  • 47.49%Equity capital to assets
  • 10.08%Core capital (leverage) ratio
  • 11.64%Tier 1 risk-based capital ratio
  • 24.43%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $142,672Average earning assets
  • $14,601Average equity
  • $132,703Average loans

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