The First National Bank of Mount Dora in Mount Dora, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank of Mount Dora - Overview

  • General
  • FDIC Certificate #: 3579
    Status: Active
    Federal Reserve ID: 61832
    Date Established: September 01, 1925
    WWW: http://www.fnbmd.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 16000
    FDIC's unique #: 2270
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 26, 2007
    Last Structure Change Process Date: September 20, 2007
    Last Data Update: September 20, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 714 N Donnelly Street, Mount Dora, FL 32757
    County: Lake
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Gainesville
    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: $191.8 mil
    Equity capital: $25.8 mil
    Deposits held in domestic offices: $154.3 mil
    Return on assets (ROA): -1.18% (-$2.3 mil)
    Quarterly return on assets: 0.77% ($1.5 mil)
    Return on Equity (ROE): -10.21% (-$2.7 mil)
    Quarterly return on equity: 6.29% ($1.6 mil)
    Net income: -$2.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: -1.96% (-$3,758.7 mil)
    Quarterly Pretax return on assets: 1.20% ($2,301.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 73Total employees (full-time equivalent)
  • $191,772Total assets
  • $7,864Cash and due from depository institutions
  • $6,758Interest-bearing balances
  • $38,333Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $123,820Net loans & leases
  • $4,651Loan loss allowance
  • $0Trading account assets
  • $6,277Bank premises and fixed assets
  • $5,677Other real estate owned
  • $0Goodwill and other intangibles
  • $191,773Life insurance assets
  • $9,801All other assets
  • $165,957Total liabilities and capital
  • $154,346Total liabilities
  • $113,600Total deposits
  • $154,346Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,000Trading liabilities
  • $0Other borrowed funds
  • $2,611Subordinated debt
  • $25,816All other liabilities
  • $25,816Total equity capital
  • $25,816Total bank equity capital
  • $0Perpetual preferred stock
  • $6,534Common stock
  • $8,199Surplus
  • $11,083Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,612Income earned, not collected on loans
  • $0Earning assets
  • $775Long-term assets (5+ years)
  • $168,911Average Assets, year-to-date
  • $44,093Average Assets, quarterly
  • $193,797Volatile liabilities
  • $191,037Insider loans
  • $137,519FHLB advances
  • $191,951Loans and leases held for sale
  • $4,822Unused loan commitments
  • $838Tier 1 (core) risk-based capital
  • $25,643Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,984Total unused commitments
  • $13,905Restructured Loans and leases
  • $2,669Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,548Total interest income
  • $909Total interest expense
  • $7,639Net interest income
  • $7,043Provision for loan and lease losses
  • $3,790Total noninterest income
  • $2,609Fiduciary activities
  • $574Service charges on deposit accounts
  • $0Trading account gains & fees
  • $607Additional noninterest income
  • $8,212Total noninterest expense
  • $4,523Salaries and employee benefits
  • $960Premises and equipment expense
  • $2,729Additional noninterest expense
  • -$3,826Pre-tax net operating income
  • $37Securities gains (losses)
  • -$1,499Applicable income taxes
  • -$2,290Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,290Net income attributable to bank
  • $0Net charge-offs
  • -$2,290Cash dividends
  • $6,443Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 4.48%Net interest margin
  • 2.22%Noninterest income to earning assets
  • 4.81%Noninterest expense to earning assets
  • -1.19%Net operating income to assets
  • -1.18%Return on assets (ROA)
  • -1.96%Pretax return on assets
  • -10.21%Return on equity (ROE)
  • -10.21%Retained earnings to average equity (YTD only)
  • 4.76%Net charge-offs to loans
  • 109.31%Credit loss provision to net charge-offs
  • 0.50%Efficiency ratio
  • 71,852Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.62%Loss allowance to noncurrent loans
  • 43.83%Noncurrent assets plus other real estate owned to assets
  • 8.49%Noncurrent loans to loans
  • 8.26%Net loans and leases to deposits
  • 80.22%Net loans and leases to core deposits
  • 83.58%Equity capital to assets
  • 13.46%Core capital (leverage) ratio
  • 13.36%Tier 1 risk-based capital ratio
  • 18.65%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $193,797Average earning assets
  • $22,434Average equity
  • $170,579Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $360,533Managed Assets
  • 1Number of Accounts
  • $343,638Personal trust and agency accounts
  • $163,756Employee benefit-defined contribution accounts
  • $7,017Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $42,983Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $129,882Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 890Number of Accounts
  • $0Personal trust and agency accounts
  • $42,983Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $16,895Other retirement accounts
  • $1Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $16,893Fiduciary accounts held in foreign offices

List of branches

  • 5 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02270The First National Bank Of Mount Dor714 N Donnelly Street, Mount Dora, FL 32757September 01, 1925Full Service Brick and Mortar
    1201311Sorrento Branch8570 Highway 46, Sorrento, FL 32776August 24, 1985Full Service Brick and Mortar
    2201312Tri-City Branch2500 Eudora Road, Mount Dora, FL 32757November 01, 1988Full Service Brick and Mortar
    4450595Market Street Branch310 Market Street, Leesburg, FL 34748Febuary 13, 2006Full Service Brick and Mortar
    11465499S.Leesburg Branch27700 Us Highway 27, Leesburg, FL 34748June 25, 2007Full Service Brick and Mortar

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