The National Bank of Florida in Florida, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 24, 2002

  • The National Bank of Florida in Florida, New York (NY)
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The National Bank of Florida - Overview

  • General
  • FDIC Certificate #: 7054
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Provident Bank (#30337)
    Federal Reserve ID: 896605
    Date Established: January 01, 1933
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 4708
    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: April 24, 2002
    Last Structure Change Process Date: May 07, 2002
    Last Data Update: May 07, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 7 Edward J. Lempka Drive, Florida, NY 10921
    County: Orange
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: New York City
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Newburgh, NY-PA (#5660)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): Poughkeepsie-Newburgh-Middletown, NY (#39100)
    CBSA Metro Statistical Area: Poughkeepsie-Newburgh-Middletown, NY (#39100)
  • Financial Summary
  • Total assets: $105.3 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, 2001)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $104,817Total assets
  • $4,415Cash and due from depository institutions
  • $300Interest-bearing balances
  • $57,599Securities
  • $16,300Federal funds sold & reverse repurchase agreements
  • $23,674Net loans & leases
  • $176Loan loss allowance
  • $0Trading account assets
  • $1,402Bank premises and fixed assets
  • $408Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,019All other assets
  • $104,817Total liabilities and capital
  • $88,104Total liabilities
  • $87,221Total deposits
  • $62,620Interest-bearing deposits
  • $87,221Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $883All other liabilities
  • $16,713Total equity capital
  • $16,713Total bank equity capital
  • $16,713Perpetual preferred stock
  • $0Common stock
  • $175Surplus
  • $300Undivided profits
  • Memoranda
  • $16,238Noncurrent loans and leases
  • $2,538Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $15Earning assets
  • $0Long-term assets (5+ years)
  • $880Average Assets, year-to-date
  • $97,873Average Assets, quarterly
  • $29,647Volatile liabilities
  • $95,690Insider loans
  • $102,193FHLB advances
  • $6,278Loans and leases held for sale
  • $1,672Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,538Total unused commitments
  • $0Restructured Loans and leases
  • $176Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $5,368Total interest income
  • $1,966Total interest expense
  • $3,402Net interest income
  • $60Provision for loan and lease losses
  • $444Total noninterest income
  • $0Fiduciary activities
  • $289Service charges on deposit accounts
  • $0Trading account gains & fees
  • $155Additional noninterest income
  • $2,500Total noninterest expense
  • $1,090Salaries and employee benefits
  • $445Premises and equipment expense
  • $965Additional noninterest expense
  • $1,286Pre-tax net operating income
  • $23Securities gains (losses)
  • $372Applicable income taxes
  • $937Income before extraordinary items
  • $0Extraordinary gains - net
  • $937Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $210Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.02%Yield on earning assets
  • 2.21%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 5.86%Return on equity (ROE)
  • 4.54%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 3000.00%Credit loss provision to net charge-offs
  • 673.00%Efficiency ratio
  • 65,003Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.41%Loss allowance to loans
  • 0.74%Loss allowance to noncurrent loans
  • 1173.33%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.06%Net loans and leases to deposits
  • 27.14%Net loans and leases to core deposits
  • 29.25%Equity capital to assets
  • 15.94%Core capital (leverage) ratio
  • 16.16%Tier 1 risk-based capital ratio
  • 41.01%Total risk-based capital ratio
  • Memoranda
  • $41Average assets
  • $95,690Average earning assets
  • $15,997Average equity
  • $89,096Average loans

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