New Traditions National Bank in Orlando, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

New Traditions National Bank - Overview

  • General
  • FDIC Certificate #: 58822
    Status: Active
    Federal Reserve ID: 3813256
    Date Established: August 25, 2008
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 3, Interstate: No)
    FDIC's unique #: 469457
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 25, 2008
    Last Structure Change Effective Date: October 27, 2008
    Last Structure Change Process Date: May 18, 2009
    Last Data Update: May 18, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 Wilkinson Street, Ste 100, Orlando, FL 32803
    County: Orange
    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): 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: $441.2 mil
    Equity capital: $39.9 mil
    Deposits held in domestic offices: $356.1 mil
    Return on assets (ROA): 0.70% ($3.1 mil)
    Quarterly return on assets: 0.45% ($2.0 mil)
    Return on Equity (ROE): 7.16% ($2.9 mil)
    Quarterly return on equity: 4.64% ($1.9 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.16% ($5,117.6 mil)
    Quarterly Pretax return on assets: 0.76% ($3,352.9 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
  • 35Total employees (full-time equivalent)
  • $441,169Total assets
  • $27,848Cash and due from depository institutions
  • $22,681Interest-bearing balances
  • $198,006Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $201,023Net loans & leases
  • $4,076Loan loss allowance
  • $0Trading account assets
  • $2,181Bank premises and fixed assets
  • $2,119Other real estate owned
  • $0Goodwill and other intangibles
  • $441,169Life insurance assets
  • $9,992All other assets
  • $401,284Total liabilities and capital
  • $356,095Total liabilities
  • $288,280Total deposits
  • $356,095Interest-bearing deposits
  • $59Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $45,000Trading liabilities
  • $0Other borrowed funds
  • $189Subordinated debt
  • $39,885All other liabilities
  • $39,885Total equity capital
  • $39,885Total bank equity capital
  • $0Perpetual preferred stock
  • $17,475Common stock
  • $18,633Surplus
  • $3,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $200Income earned, not collected on loans
  • $0Earning assets
  • $1,501Long-term assets (5+ years)
  • $421,710Average Assets, year-to-date
  • $200,663Average Assets, quarterly
  • $378,877Volatile liabilities
  • $404,583Insider loans
  • $241,619FHLB advances
  • $422,952Loans and leases held for sale
  • $3,515Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $38,331Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,515Total unused commitments
  • $44,488Restructured Loans and leases
  • $15,180Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,701Total interest income
  • $3,298Total interest expense
  • $9,403Net interest income
  • $1,123Provision for loan and lease losses
  • $440Total noninterest income
  • $0Fiduciary activities
  • $230Service charges on deposit accounts
  • $0Trading account gains & fees
  • $210Additional noninterest income
  • $5,820Total noninterest expense
  • $2,832Salaries and employee benefits
  • $733Premises and equipment expense
  • $2,255Additional noninterest expense
  • $2,900Pre-tax net operating income
  • $1,484Securities gains (losses)
  • $1,734Applicable income taxes
  • $2,650Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,650Net income attributable to bank
  • $0Net charge-offs
  • $2,650Cash 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)
  • 3.48%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 2.58%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 1.60%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 7.16%Return on equity (ROE)
  • 7.16%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
  • 59,128Assets per employee
  • 12.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 2038.00%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 56.45%Net loans and leases to core deposits
  • 62.12%Equity capital to assets
  • 9.04%Core capital (leverage) ratio
  • 9.06%Tier 1 risk-based capital ratio
  • 15.86%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $378,877Average earning assets
  • $37,007Average equity
  • $364,495Average loans

List of branches

  • 5 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0469457New Traditions National Bank600 Wilkinson Street, Ste 100, Orlando, FL 32803August 25, 2008Full Service Brick and Mortar
    1490136Maitland Office145 S. Orlando Avenue, Ste 1, Maitland, FL 32751October 27, 2008Full Service Brick and Mortar
    2490139Orlando Messenger Branch600 Wilkinson Street, Orlando, FL 32803October 27, 2008Limited Service Messenger
    3528182Longwood Branch505 Wekiva Springs Road, Suite 700, Longwood, FL 32779January 23, 2012Full Service Brick and Mortar
    4528183Longwood Messenger Service Branch505 Wekiva Springs Road, Suite 700, Longwood, FL 32779January 23, 2012Limited Service Messenger

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