The Warrington Bank in Pensacola, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Warrington Bank - Overview

  • General
  • FDIC Certificate #: 17193
    Status: Active
    Federal Reserve ID: 199137
    Bank Holding Company (Regulatory Top Holder): Five Flags Banks, Inc. (RSSDID: 1129515, Location: Pensacola, FL)
    Date Established: March 18, 1953
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11223
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: March 18, 1953
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4093 Barrancas Avenue, Pensacola, FL 32507
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $77.2 mil
    Equity capital: $14.4 mil
    Deposits held in domestic offices: $62.8 mil
    Return on assets (ROA): 0.37% ($0.3 mil)
    Quarterly return on assets: 0.37% ($0.3 mil)
    Return on Equity (ROE): 1.88% ($0.3 mil)
    Quarterly return on equity: 1.89% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.63% ($486.4 mil)
    Quarterly Pretax return on assets: 0.59% ($455.6 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
  • 19Total employees (full-time equivalent)
  • $77,214Total assets
  • $16,551Cash and due from depository institutions
  • $12,735Interest-bearing balances
  • $34,001Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $25,163Net loans & leases
  • $153Loan loss allowance
  • $0Trading account assets
  • $647Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $77,213Life insurance assets
  • $852All other assets
  • $62,810Total liabilities and capital
  • $62,781Total liabilities
  • $32,897Total deposits
  • $62,781Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $29Subordinated debt
  • $14,403All other liabilities
  • $14,403Total equity capital
  • $14,403Total bank equity capital
  • $0Perpetual preferred stock
  • $187Common stock
  • $225Surplus
  • $13,991Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $587Long-term assets (5+ years)
  • $71,899Average Assets, year-to-date
  • $8,843Average Assets, quarterly
  • $72,196Volatile liabilities
  • $73,607Insider loans
  • $35,143FHLB advances
  • $91,587Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,418Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,645Restructured Loans and leases
  • $458Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,008Total interest income
  • $103Total interest expense
  • $1,905Net interest income
  • $24Provision for loan and lease losses
  • $350Total noninterest income
  • $0Fiduciary activities
  • $176Service charges on deposit accounts
  • $0Trading account gains & fees
  • $174Additional noninterest income
  • $1,773Total noninterest expense
  • $954Salaries and employee benefits
  • $185Premises and equipment expense
  • $634Additional noninterest expense
  • $458Pre-tax net operating income
  • $0Securities gains (losses)
  • $190Applicable income taxes
  • $268Income before extraordinary items
  • $0Extraordinary gains - net
  • $268Net income attributable to bank
  • $0Net charge-offs
  • $268Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.09%Yield on earning assets
  • 0.16%Cost of funding earning assets
  • 2.93%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 1.88%Return on equity (ROE)
  • 1.88%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 342.86%Credit loss provision to net charge-offs
  • 68.86%Efficiency ratio
  • 78,625Assets per employee
  • 4.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.60%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 40.08%Net loans and leases to core deposits
  • 40.30%Equity capital to assets
  • 18.65%Core capital (leverage) ratio
  • 15.74%Tier 1 risk-based capital ratio
  • 41.03%Total risk-based capital ratio
  • Memoranda
  • $41Average assets
  • $72,196Average earning assets
  • $14,272Average equity
  • $65,004Average loans

List of branches

  • 2 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011223The Warrington Bank4093 Barrancas Avenue, Pensacola, FL 32507March 18, 1953Full Service Brick and Mortar
    5241013Perdido Branch13330 Sorrento Road, Pensacola, FL 32507March 09, 1984Full Service Brick and Mortar

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