Regions Bank of Florida in Pensacola, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 26, 1997

  • Regions Bank of Florida in Pensacola, Florida (FL)
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Regions Bank of Florida - Overview

  • General
  • FDIC Certificate #: 18114
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 260934
    Date Established: December 01, 1959
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 43 (Interstate: No)
    FDIC's unique #: 12036
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 01, 1959
    Last Structure Change Effective Date: September 26, 1997
    Last Structure Change Process Date: October 07, 1997
    Last Data Update: October 07, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 50 Beverly Parkway, Pensacola, FL 32505
    County: Escambia
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Pensacola
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Pensacola, FL (#6080)
    Core Based Statistical Area (CBSA): Pensacola-Ferry Pass-Brent, FL (#37860)
    CBSA Metro Statistical Area: Pensacola-Ferry Pass-Brent, FL (#37860)
  • Financial Summary
  • Total assets: $914.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $246Total assets
  • $574,190Cash and due from depository institutions
  • $21,106Interest-bearing balances
  • $0Securities
  • $133,461Federal funds sold & reverse repurchase agreements
  • $25,830Net loans & leases
  • $371,605Loan loss allowance
  • $5,121Trading account assets
  • $0Bank premises and fixed assets
  • $9,208Other real estate owned
  • $1,461Goodwill and other intangibles
  • $10,697Life insurance assets
  • $822All other assets
  • $0Total liabilities and capital
  • $574,190Total liabilities
  • $519,504Total deposits
  • $512,939Interest-bearing deposits
  • $423,635Deposits held in domestic offices
  • 512939.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $6,565Total equity capital
  • $6,565Total bank equity capital
  • $54,686Perpetual preferred stock
  • $0Common stock
  • $1,050Surplus
  • $13,990Undivided profits
  • Memoranda
  • $39,646Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,023Income earned, not collected on loans
  • $2,364Earning assets
  • $530,896Long-term assets (5+ years)
  • $88,775Average Assets, year-to-date
  • $577,936Average Assets, quarterly
  • $571,332Volatile liabilities
  • $43,477Insider loans
  • $78FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $69,277Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $53,808Total risk weighted assets
  • $382,450Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $49,340Total interest expense
  • $19,452Net interest income
  • $29,888Provision for loan and lease losses
  • $205Total noninterest income
  • $4,067Fiduciary activities
  • $328Service charges on deposit accounts
  • $2,772Trading account gains & fees
  • $0Additional noninterest income
  • $967Total noninterest expense
  • $18,547Salaries and employee benefits
  • $6,592Premises and equipment expense
  • $2,153Additional noninterest expense
  • $9,802Pre-tax net operating income
  • $15,203Securities gains (losses)
  • -$15Applicable income taxes
  • $5,739Income before extraordinary items
  • $9,449Extraordinary gains - net
  • $0Net income attributable to bank
  • $9,449Net charge-offs
  • $899Cash dividends
  • $15,000Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.12%Cost of funding earning assets
  • 3.60%Net interest margin
  • 5.53%Noninterest income to earning assets
  • 0.75%Noninterest expense to earning assets
  • 3.43%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.63%Pretax return on assets
  • 2.63%Return on equity (ROE)
  • 15.92%Retained earnings to average equity (YTD only)
  • -9.35%Net charge-offs to loans
  • 0.24%Credit loss provision to net charge-offs
  • 22.80%Efficiency ratio
  • 54,425Assets per employee
  • 2.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 158.75%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 127.29%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 1.07%Net loans and leases to deposits
  • 72.45%Net loans and leases to core deposits
  • 79.16%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 9.50%Tier 1 risk-based capital ratio
  • 14.07%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $577,936Average earning assets
  • $59,338Average equity
  • $540,946Average loans

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