Reunion Bank of Florida in Tavares, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Reunion Bank of Florida - Overview

  • General
  • FDIC Certificate #: 58815
    Status: Active
    Federal Reserve ID: 3822445
    Date Established: October 06, 2008
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 469075
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 06, 2008
    Last Structure Change Effective Date: October 06, 2008
    Last Structure Change Process Date: October 07, 2008
    Last Data Update: October 07, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1892 East Burleigh Boulevard, Tavares, FL 32778
    County: Lake
    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
  • New Institution
    Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $167.4 mil
    Equity capital: $16.3 mil
    Deposits held in domestic offices: $151.0 mil
    Return on assets (ROA): 0.38% ($0.6 mil)
    Quarterly return on assets: 0.56% ($0.9 mil)
    Return on Equity (ROE): 3.56% ($0.6 mil)
    Quarterly return on equity: 5.61% ($0.9 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.63% ($1,054.3 mil)
    Quarterly Pretax return on assets: 0.88% ($1,472.7 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
  • 27Total employees (full-time equivalent)
  • $167,351Total assets
  • $9,045Cash and due from depository institutions
  • $5,663Interest-bearing balances
  • $32,038Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $121,499Net loans & leases
  • $1,449Loan loss allowance
  • $0Trading account assets
  • $2,174Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $167,351Life insurance assets
  • $2,595All other assets
  • $151,094Total liabilities and capital
  • $151,015Total liabilities
  • $128,765Total deposits
  • $151,015Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $79Subordinated debt
  • $16,257All other liabilities
  • $16,257Total equity capital
  • $16,257Total bank equity capital
  • $0Perpetual preferred stock
  • $9,287Common stock
  • $9,739Surplus
  • $-2,769Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $460Income earned, not collected on loans
  • $0Earning assets
  • $541Long-term assets (5+ years)
  • $159,200Average Assets, year-to-date
  • $39,860Average Assets, quarterly
  • $148,397Volatile liabilities
  • $162,708Insider loans
  • $140,810FHLB advances
  • $160,043Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,638Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,211Restructured Loans and leases
  • $2,797Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,775Total interest income
  • $1,617Total interest expense
  • $5,158Net interest income
  • $375Provision for loan and lease losses
  • $283Total noninterest income
  • $0Fiduciary activities
  • $235Service charges on deposit accounts
  • $0Trading account gains & fees
  • $48Additional noninterest income
  • $4,382Total noninterest expense
  • $2,557Salaries and employee benefits
  • $796Premises and equipment expense
  • $1,029Additional noninterest expense
  • $684Pre-tax net operating income
  • $247Securities gains (losses)
  • $372Applicable income taxes
  • $559Income before extraordinary items
  • $0Extraordinary gains - net
  • $559Net income attributable to bank
  • $0Net charge-offs
  • $559Cash 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)
  • 4.85%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 3.56%Return on equity (ROE)
  • 3.56%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
  • 80,537Assets per employee
  • 6.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 315.00%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 80.45%Net loans and leases to core deposits
  • 95.52%Equity capital to assets
  • 9.71%Core capital (leverage) ratio
  • 9.15%Tier 1 risk-based capital ratio
  • 10.40%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $148,397Average earning assets
  • $15,710Average equity
  • $139,786Average loans

List of branches

  • 4 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0469075Reunion Bank Of Florida1892 East Burleigh Boulevard, Tavares, FL 32778October 06, 2008Full Service Brick and Mortar
    1481506Port Orange Branch3615 South Clyde Morris Boulevard, Port Orange, FL 32127October 06, 2008Full Service Brick and Mortar
    2481507Messenger Service1892 East Burleigh Boulevard, Tavares, FL 32778October 06, 2008Limited Service Messenger
    3481508Messenger Service3615 South Clyde Morris Boulevard, Port Orange, FL 32129October 06, 2008Limited Service Messenger

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