The Bank of Winter Park in Winter Park, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 1997

  • The Bank of Winter Park in Winter Park, Florida (FL)
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The Bank of Winter Park - Overview

  • General
  • FDIC Certificate #: 27505
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Huntington National Bank (#6560)
    Federal Reserve ID: 1390388
    Date Established: May 15, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 9663
    FDIC's unique #: 40238
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 15, 1989
    Last Structure Change Effective Date: October 31, 1997
    Last Structure Change Process Date: November 18, 1997
    Last Data Update: November 18, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 2006 Aloma Avenue, Winter Park, FL 32792
    County: Orange
    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)
  • Financial Summary
  • Total assets: $79.7 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)
  • $43Total assets
  • $92,511Cash and due from depository institutions
  • $5,671Interest-bearing balances
  • $85Securities
  • $14,695Federal funds sold & reverse repurchase agreements
  • $6,800Net loans & leases
  • $60,412Loan loss allowance
  • $1,091Trading account assets
  • $0Bank premises and fixed assets
  • $2,823Other real estate owned
  • $0Goodwill and other intangibles
  • $2,110Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $92,511Total liabilities
  • $86,857Total deposits
  • $85,375Interest-bearing deposits
  • $72,609Deposits held in domestic offices
  • 85375.00%% insured (estimated)
  • $74Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $723Subordinated debt
  • $0All other liabilities
  • $759Total equity capital
  • $759Total bank equity capital
  • $5,654Perpetual preferred stock
  • $0Common stock
  • $2,070Surplus
  • $2,277Undivided profits
  • Memoranda
  • $1,307Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $555Income earned, not collected on loans
  • $369Earning assets
  • $81,992Long-term assets (5+ years)
  • $3,397Average Assets, year-to-date
  • $85,590Average Assets, quarterly
  • $92,535Volatile liabilities
  • $13,204Insider loans
  • $2,760FHLB advances
  • $0Loans and leases held for sale
  • $84Unused loan commitments
  • $12,138Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,399Total risk weighted assets
  • $70,157Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,097Total interest expense
  • $2,896Net interest income
  • $4,201Provision for loan and lease losses
  • $280Total noninterest income
  • $2,203Fiduciary activities
  • $0Service charges on deposit accounts
  • $440Trading account gains & fees
  • $0Additional noninterest income
  • $1,763Total noninterest expense
  • $4,918Salaries and employee benefits
  • $2,616Premises and equipment expense
  • $799Additional noninterest expense
  • $1,503Pre-tax net operating income
  • $1,206Securities gains (losses)
  • $0Applicable income taxes
  • $421Income before extraordinary items
  • $785Extraordinary gains - net
  • $0Net income attributable to bank
  • $785Net charge-offs
  • $26Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $16Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.35%Cost of funding earning assets
  • 3.81%Net interest margin
  • 5.53%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • 6.48%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 1.41%Return on equity (ROE)
  • 15.00%Retained earnings to average equity (YTD only)
  • 15.00%Net charge-offs to loans
  • 0.04%Credit loss provision to net charge-offs
  • 1076.92%Efficiency ratio
  • 75,062Assets per employee
  • 2.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 196.58%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 70.76%Net loans and leases to core deposits
  • 83.71%Equity capital to assets
  • 6.11%Core capital (leverage) ratio
  • 5.87%Tier 1 risk-based capital ratio
  • 7.70%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $85,590Average earning assets
  • $5,233Average equity
  • $75,913Average loans

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