Urban Trust Bank in Lake Mary, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Urban Trust Bank in Lake Mary, Florida (FL)
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Urban Trust Bank - Overview

  • General
  • FDIC Certificate #: 31390
    Status: Active
    Federal Reserve ID: 408875
    Date Established: January 01, 1962
    WWW: http://www.urbantrustbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 25 (Domestic: 25, Interstate: No)
    OTS Docket #: 6859
    FDIC's unique #: 44224
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: March 26, 1963
    Last Structure Change Effective Date: December 01, 2011
    Last Structure Change Process Date: December 08, 2011
    Last Data Update: December 08, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 400 Colonial Center Parkway, Suite 150, Lake Mary, FL 32746
    County: Seminole
    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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $597.3 mil
    Equity capital: $75.7 mil
    Deposits held in domestic offices: $489.5 mil
    Return on assets (ROA): 0.56% ($3.3 mil)
    Quarterly return on assets: 0.52% ($3.1 mil)
    Return on Equity (ROE): 4.24% ($3.2 mil)
    Quarterly return on equity: 4.06% ($3.1 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 0.89% ($5,316.1 mil)
    Quarterly Pretax return on assets: 0.83% ($4,957.7 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
  • 162Total employees (full-time equivalent)
  • $597,318Total assets
  • $74,105Cash and due from depository institutions
  • $57,292Interest-bearing balances
  • $79,397Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $425,635Net loans & leases
  • $8,289Loan loss allowance
  • $0Trading account assets
  • $2,110Bank premises and fixed assets
  • $1,011Other real estate owned
  • $0Goodwill and other intangibles
  • $597,318Life insurance assets
  • $15,060All other assets
  • $521,653Total liabilities and capital
  • $489,461Total liabilities
  • $453,592Total deposits
  • $489,461Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $24,000Trading liabilities
  • $0Other borrowed funds
  • $8,192Subordinated debt
  • $75,665All other liabilities
  • $75,665Total equity capital
  • $75,665Total bank equity capital
  • $0Perpetual preferred stock
  • $298Common stock
  • $82,843Surplus
  • $-7,476Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,398Income earned, not collected on loans
  • $0Earning assets
  • $2,216Long-term assets (5+ years)
  • $562,324Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $571,232Volatile liabilities
  • $587,063Insider loans
  • $363,974FHLB advances
  • $597,833Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $75,986Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,311Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $38,467Total interest income
  • $10,581Total interest expense
  • $27,886Net interest income
  • $5,795Provision for loan and lease losses
  • $15,159Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $15,159Additional noninterest income
  • $32,561Total noninterest expense
  • $12,315Salaries and employee benefits
  • $5,442Premises and equipment expense
  • $14,804Additional noninterest expense
  • $4,689Pre-tax net operating income
  • $417Securities gains (losses)
  • $1,910Applicable income taxes
  • $3,196Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,196Net income attributable to bank
  • $0Net charge-offs
  • $3,196Cash dividends
  • $4,916Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.04%Yield on earning assets
  • 1.94%Cost of funding earning assets
  • 5.11%Net interest margin
  • 2.78%Noninterest income to earning assets
  • 5.96%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 4.24%Return on equity (ROE)
  • 4.24%Retained earnings to average equity (YTD only)
  • 1.11%Net charge-offs to loans
  • 117.88%Credit loss provision to net charge-offs
  • 2.13%Efficiency ratio
  • 75,644Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 57.57%Noncurrent assets plus other real estate owned to assets
  • 2.58%Noncurrent loans to loans
  • 3.32%Net loans and leases to deposits
  • 86.96%Net loans and leases to core deposits
  • 96.77%Equity capital to assets
  • 12.67%Core capital (leverage) ratio
  • 12.71%Tier 1 risk-based capital ratio
  • 20.88%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $571,232Average earning assets
  • $75,309Average equity
  • $546,121Average loans

List of branches

  • 25 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044224Urban Trust Bank400 Colonial Center Parkway, Suite 150, Lake Mary, FL 32746January 01, 1962Full Service Brick and Mortar
    2483114South Kirkman Rd Branch2500 S Kirkman Rd, Orlando, FL 32811June 30, 2008Full Service Retail
    348311513th St Branch4400 13th St, Saint Cloud, FL 34769June 30, 2008Full Service Retail
    4483116Rinehart Rd Branch1601 Rinehart Rd, Sanford, FL 32771June 30, 2008Full Service Retail
    5483117Citrus Blvd Branch2501 Citrus Blvd, Leesburg, FL 34748June 30, 2008Full Service Retail
    6483118Gibsonton Dr Branch9205 Gibsonton Dr, Gibsonton, FL 33534June 30, 2008Full Service Retail
    748311910th St Branch508 10th St E, Palmetto, FL 34221June 30, 2008Full Service Retail
    8483120S Goldenrod Branch5991 S. Goldenrod Rd, Orlando, FL 32822June 30, 2008Full Service Retail
    9483121Beach Blvd Branch13490 Beach Blvd, Jacksonville, FL 32224June 30, 2008Full Service Retail
    10483122Beach Blvd Branch8808 Beach Blvd, Jacksonville, FL 32216June 30, 2008Full Service Retail
    11483123Blanding Blvd Branch899 Blanding Blvd, Orange Park, FL 32065June 30, 2008Full Service Retail
    12483124Dunlawton Ave Branch1590 Dunlawton Ave, Port Orange, FL 32127June 30, 2008Full Service Retail
    13483125Cypress Garden Blvd Branch355 Cypress Gardens Blvd, Winter Haven, FL 33880June 30, 2008Full Service Retail
    16517933Shops Lane Branch10251 Shops Lane, Jacksonville, FL 32258May 27, 2009Full Service Retail
    17517934Naples Branch6650 Collier Boulevard, Naples, FL 34114June 10, 2009Full Service Retail
    18517935Bradenton Branch5315 Cortez Road West, Bradenton, FL 34210June 15, 2009Full Service Retail
    19517936Osprey Branch13140 South Tamiami Trail, Osprey, FL 34229June 17, 2009Full Service Retail
    20517937Sebring Branch3525 Us Highway 27 North, Sebring, FL 33870June 25, 2009Full Service Retail
    21517938Lake Wales Branch2000 State Road 60 East, Lake Wales, FL 33898June 26, 2009Full Service Retail
    22517939Bartow Branch1050 East Van Fleet Drive, Bartow, FL 33830June 29, 2009Full Service Retail
    23517940Brandon Branch11110 Causeway Boulevard, Brandon, FL 33511June 30, 2009Full Service Retail
    24517941Kissimmee Branch1471 East Osceola Parkway, Kissimmee, FL 34744July 01, 2009Full Service Retail
    25517942Ocala Branch2600 Southwest 19th Avenue, Ocala, FL 34471August 17, 2009Full Service Retail
    26517943Lakeland Branch3501 South Florida Avenue, Lakeland, FL 33803October 28, 2009Full Service Retail
    27521624Administrative Office400 Colonial Center Parkway, Suite 140, Lake Mary, FL 32746October 01, 2009Limited Service Administrative

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