Peninsula Bank in Englewood, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 25, 2010

  • Peninsula Bank in Englewood, Florida (FL)
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Peninsula Bank - Overview

  • General
  • FDIC Certificate #: 26563
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Florida Community Bank, National Association (#58991)
    Federal Reserve ID: 61533
    Date Established: January 21, 1986
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Interstate: No)
    FDIC's unique #: 35262
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 21, 1986
    Last Structure Change Effective Date: June 25, 2010
    Last Structure Change Process Date: June 26, 2010
    Last Data Update: June 26, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 3100 South Mccall Road, Englewood, FL 34224
    County: Charlotte
    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): Punta Gorda, FL (#6580)
    Combined Statistical Area (CSA): Sarasota-Bradenton-Punta Gorda, FL (#494)
    Core Based Statistical Area (CBSA): Punta Gorda, FL (#39460)
    CBSA Metro Statistical Area: Punta Gorda, FL (#39460)
  • Financial Summary
  • Total assets: $630.2 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, 2009)

  • Dollar figures in thousands
  • 137Total employees (full-time equivalent)
  • $625,594Total assets
  • $44,408Cash and due from depository institutions
  • $40,000Interest-bearing balances
  • $117,591Securities
  • $2,065Federal funds sold & reverse repurchase agreements
  • $390,714Net loans & leases
  • $17,117Loan loss allowance
  • $0Trading account assets
  • $7,790Bank premises and fixed assets
  • $33,204Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $29,822All other assets
  • $625,595Total liabilities and capital
  • $625,713Total liabilities
  • $560,789Total deposits
  • $543,199Interest-bearing deposits
  • $560,789Deposits held in domestic offices
  • 92.39%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $50,000Other borrowed funds
  • $0Subordinated debt
  • $14,924All other liabilities
  • $-118Total equity capital
  • $-118Total bank equity capital
  • $-118Perpetual preferred stock
  • $0Common stock
  • $19,464Surplus
  • $17,920Undivided profits
  • Memoranda
  • $-37,502Noncurrent loans and leases
  • $22,916Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $115,833Earning assets
  • $0Long-term assets (5+ years)
  • $2,636Average Assets, year-to-date
  • $550,370Average Assets, quarterly
  • $109,249Volatile liabilities
  • $639,373Insider loans
  • $635,912FHLB advances
  • $264,631Loans and leases held for sale
  • $11,927Unused loan commitments
  • $50,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $22,916Total unused commitments
  • $8,324Restructured Loans and leases
  • $2,284Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $26,436Total interest income
  • $19,896Total interest expense
  • $6,540Net interest income
  • $30,884Provision for loan and lease losses
  • $1,500Total noninterest income
  • $0Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,142Additional noninterest income
  • $30,116Total noninterest expense
  • $6,761Salaries and employee benefits
  • $2,300Premises and equipment expense
  • $21,055Additional noninterest expense
  • -$52,960Pre-tax net operating income
  • $344Securities gains (losses)
  • -$4,004Applicable income taxes
  • -$48,612Income before extraordinary items
  • $0Extraordinary gains - net
  • -$48,612Net income attributable to bank
  • $0Net charge-offs
  • -$48,612Cash dividends
  • $24,636Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 3.47%Cost of funding earning assets
  • 1.14%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 5.26%Noninterest expense to earning assets
  • -7.65%Net operating income to assets
  • -7.60%Return on assets (ROA)
  • -8.23%Pretax return on assets
  • -150.42%Return on equity (ROE)
  • -150.42%Retained earnings to average equity (YTD only)
  • 5.55%Net charge-offs to loans
  • 125.36%Credit loss provision to net charge-offs
  • -0.90%Efficiency ratio
  • 374,577Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.20%Loss allowance to noncurrent loans
  • 14.78%Noncurrent assets plus other real estate owned to assets
  • 23.82%Noncurrent loans to loans
  • 28.40%Net loans and leases to deposits
  • 69.67%Net loans and leases to core deposits
  • 112.87%Equity capital to assets
  • -0.02%Core capital (leverage) ratio
  • 0.35%Tier 1 risk-based capital ratio
  • 0.48%Total risk-based capital ratio
  • Memoranda
  • $1Average assets
  • $639,373Average earning assets
  • $32,318Average equity
  • $572,796Average loans

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