Reunion Bank of Florida in Tavares, Florida (FL)

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Reunion Bank of Florida routing number info

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Reunion Bank of Florida
GeneralFDIC 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
LocationAddress: 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 ChangesNew Institution
Change in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)27
Total assets$167,351
Cash and due from depository institutions$9,045
Interest-bearing balances$5,663
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$121,499
Loan loss allowance $1,449
Trading account assets$0
Bank premises and fixed assets$2,174
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,595
Life insurance assets$167,351
Total liabilities and capital$151,094
Total liabilities$151,015
Total deposits$128,765
Interest-bearing deposits$151,015
Deposits held in domestic offices$80
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $79
All other liabilities $16,257
Total equity capital$16,257
Total bank equity capital$16,257
Perpetual preferred stock$0
Common stock$9,287
Undivided profits $-2,769
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $460
Earning assets $0
Long-term assets (5+ years) $541
Average Assets, year-to-date $159,200
Average Assets, quarterly $39,860
Volatile liabilities $148,397
Insider loans $162,708
FHLB advances $140,810
Loans and leases held for sale $160,043
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,638
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,211
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,775
Total interest expense $1,617
Net interest income $5,158
Provision for loan and lease losses $375
Total noninterest income $283
Fiduciary activities $0
Service charges on deposit accounts $235
Trading account gains & fees $0
Additional noninterest income $48
Total noninterest expense $4,382
Salaries and employee benefits $2,557
Premises and equipment expense $796
Additional noninterest expense $1,029
Pre-tax net operating income $684
Securities gains (losses) $247
Applicable income taxes $372
Income before extraordinary items $559
Extraordinary gains - net $0
Net income attributable to bank $559
Net charge-offs $0
Cash dividends $559
Sale, conversion, retirement of capital stock, net $0
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.85%
Cost of funding earning assets 1.16%
Net interest margin 3.69%
Noninterest income to earning assets 0.20%
Noninterest expense to earning assets 3.13%
Net operating income to assets 0.27%
Return on assets (ROA) 0.38%
Pretax return on assets 0.63%
Return on equity (ROE) 3.56%
Retained earnings to average equity (YTD only) 3.56%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$80,537
Cash dividends to net income (YTD only)6.20%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.18%
Noncurrent assets plus other real estate owned to assets 315.00%
Noncurrent loans to loans 0.27%
Net loans and leases to deposits0.37%
Net loans and leases to core deposits 80.45%
Equity capital to assets 95.52%
Core capital (leverage) ratio 9.71%
Tier 1 risk-based capital ratio 9.15%
Total risk-based capital ratio 10.40%
Average assets$11
Average earning assets$148,397
Average equity $15,710
Average loans $139,786
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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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