Osceola National Bank in Kissimmee, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 30, 1994

  • Osceola National Bank in Kissimmee, Florida (FL)
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Osceola National Bank - Overview

  • General
  • FDIC Certificate #: 27172
    Status: Inactive
    Closing history: Change in Location
    Acquiring institution: Colonial Bank (#27325)
    Federal Reserve ID: 1164365
    Date Established: Febuary 03, 1988
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 39006
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 03, 1988
    Last Structure Change Effective Date: September 30, 1994
    Last Structure Change Process Date: October 27, 1994
    Last Data Update: November 07, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 2720 North Orange Blossom Trail, Kissimmee, FL 34742
    County: Osceola
    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
  • Merger - Without Assistance
    Change in Location
  • Financial Summary
  • Total assets: $50.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $26Total assets
  • $48,863Cash and due from depository institutions
  • $4,667Interest-bearing balances
  • $0Securities
  • $11,573Federal funds sold & reverse repurchase agreements
  • $4,092Net loans & leases
  • $25,939Loan loss allowance
  • $482Trading account assets
  • $0Bank premises and fixed assets
  • $1,764Other real estate owned
  • $380Goodwill and other intangibles
  • $448Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $48,863Total liabilities
  • $42,974Total deposits
  • $42,493Interest-bearing deposits
  • $32,926Deposits held in domestic offices
  • 42493.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $481Total equity capital
  • $481Total bank equity capital
  • $5,889Perpetual preferred stock
  • $0Common stock
  • $2,500Surplus
  • $2,500Undivided profits
  • Memoranda
  • $889Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,203Income earned, not collected on loans
  • $145Earning assets
  • $41,604Long-term assets (5+ years)
  • $7,922Average Assets, year-to-date
  • $48,198Average Assets, quarterly
  • $49,349Volatile liabilities
  • $4,364Insider loans
  • $60FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,999Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,829Total risk weighted assets
  • $30,027Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,372Total interest expense
  • $1,335Net interest income
  • $2,037Provision for loan and lease losses
  • $372Total noninterest income
  • $548Fiduciary activities
  • $0Service charges on deposit accounts
  • $303Trading account gains & fees
  • $0Additional noninterest income
  • $245Total noninterest expense
  • $1,622Salaries and employee benefits
  • $807Premises and equipment expense
  • $218Additional noninterest expense
  • $597Pre-tax net operating income
  • $591Securities gains (losses)
  • $85Applicable income taxes
  • $179Income before extraordinary items
  • $497Extraordinary gains - net
  • $28Net income attributable to bank
  • $525Net charge-offs
  • $433Cash dividends
  • $250Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.11%Cost of funding earning assets
  • 3.21%Net interest margin
  • 4.90%Noninterest income to earning assets
  • 1.32%Noninterest expense to earning assets
  • 3.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 1.46%Return on equity (ROE)
  • 9.01%Retained earnings to average equity (YTD only)
  • 4.72%Net charge-offs to loans
  • 1.52%Credit loss provision to net charge-offs
  • 85.91%Efficiency ratio
  • 62,708Assets per employee
  • 1.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.62%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 40.07%Noncurrent assets plus other real estate owned to assets
  • 3.24%Noncurrent loans to loans
  • 4.55%Net loans and leases to deposits
  • 61.04%Net loans and leases to core deposits
  • 68.03%Equity capital to assets
  • 12.05%Core capital (leverage) ratio
  • 12.00%Tier 1 risk-based capital ratio
  • 19.41%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $48,198Average earning assets
  • $5,824Average equity
  • $41,579Average loans

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