The Citizens and Peoples National Bank of Pensacola in Pensacola, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 10, 1993

  • The Citizens and Peoples National Bank of Pensacola in Pensacola, Florida (FL)
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The Citizens and Peoples National Bank of Pensacola - Overview

  • General
  • FDIC Certificate #: 3585
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Barnett Bank of West Florida (#144)
    Federal Reserve ID: 577333
    Date Established: January 01, 1893
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 12 (Interstate: No)
    OTS Docket #: 10585
    FDIC's unique #: 2276
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 10, 1993
    Last Structure Change Process Date: December 30, 1993
    Last Data Update: December 30, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 213 South Palafox Street, Pensacola, FL 32502
    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)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $434.0 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $199Total assets
  • $422,728Cash and due from depository institutions
  • $25,014Interest-bearing balances
  • $0Securities
  • $152,603Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $224,123Loan loss allowance
  • $4,643Trading account assets
  • $0Bank premises and fixed assets
  • $9,056Other real estate owned
  • $5,339Goodwill and other intangibles
  • $5,922Life insurance assets
  • $671All other assets
  • $0Total liabilities and capital
  • $422,728Total liabilities
  • $391,770Total deposits
  • $352,535Interest-bearing deposits
  • $290,164Deposits held in domestic offices
  • 352535.00%% insured (estimated)
  • $79Federal funds purchased & repurchase agreements
  • $31,618Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $7,617Total equity capital
  • $7,617Total bank equity capital
  • $30,958Perpetual preferred stock
  • $0Common stock
  • $3,580Surplus
  • $8,580Undivided profits
  • Memoranda
  • $18,798Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $518Income earned, not collected on loans
  • $1,366Earning assets
  • $376,726Long-term assets (5+ years)
  • $171,401Average Assets, year-to-date
  • $409,733Average Assets, quarterly
  • $417,594Volatile liabilities
  • $70,632Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $38,383Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $30,287Total risk weighted assets
  • $265,180Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $28,319Total interest expense
  • $15,204Net interest income
  • $13,115Provision for loan and lease losses
  • $1,987Total noninterest income
  • $5,206Fiduciary activities
  • $807Service charges on deposit accounts
  • $3,281Trading account gains & fees
  • $0Additional noninterest income
  • $1,118Total noninterest expense
  • $13,346Salaries and employee benefits
  • $5,313Premises and equipment expense
  • $1,319Additional noninterest expense
  • $6,714Pre-tax net operating income
  • $2,988Securities gains (losses)
  • $361Applicable income taxes
  • $2,352Income before extraordinary items
  • $997Extraordinary gains - net
  • $0Net income attributable to bank
  • $997Net charge-offs
  • $1,869Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.73%Cost of funding earning assets
  • 4.15%Net interest margin
  • 3.58%Noninterest income to earning assets
  • 1.42%Noninterest expense to earning assets
  • 3.64%Net operating income to assets
  • 0.19%Return on assets (ROA)
  • 0.24%Pretax return on assets
  • 0.82%Return on equity (ROE)
  • 3.22%Retained earnings to average equity (YTD only)
  • 3.22%Net charge-offs to loans
  • 0.88%Credit loss provision to net charge-offs
  • 106.31%Efficiency ratio
  • 71,312Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 896.33%Noncurrent assets plus other real estate owned to assets
  • 1.39%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 63.57%Net loans and leases to core deposits
  • 71.49%Equity capital to assets
  • 7.32%Core capital (leverage) ratio
  • 7.28%Tier 1 risk-based capital ratio
  • 11.42%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $409,733Average earning assets
  • $30,922Average equity
  • $366,574Average loans

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