Public Bank
Saint Cloud, FL — Domestic Branch of a Domestic Bank
Acquired Jun 2007
Vitals
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Total Assets431.9M 10.0 %
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Total Deposits339.5M 6.9 %
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Total Net Loans326.9M 13.2 %
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Net Income1.5M -16.1 %
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Book Value35.4M 10.9 %
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Book Value x270.7M 10.9 %
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Book Value x3106.1M 10.9 %
Balance Sheet Highlights
| Financial Highlights | Public Bank | All Insured Commercial Banks in Florida |
| Balance Sheet $(000) | ||
| Total Assets | 431,897 | 278,710 |
| Total Net Loans | 326,887 | 197,129 |
| Total Deposits | 339,544 | 224,342 |
| Total Equity | 35,366 | 29,657 |
| Profitability | ||
| Net Income | 1,458 | 1,461 |
| Return on Average Assets | 1.355 | 1.042 |
| Return on Average Equity | 16.634 | 10.883 |
| Net Interest Margin | 3.87 | 4.087 |
| Efficiency Ratio | 47.127 | 76.61 |
| Noninterest Income/Revenue | 7.531 | 8.806 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 96.272 | 86.493 |
| Securities/Assets | .163 | .345 |
| Total Equity/Total Assets | .082 | .106 |
| Tangible Equity/Tangible Assets | .082 | -.079 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 36,175 | 27,412 |
| Tier 2 Capital | 3,940 | 2,620 |
| Total Capital | 40,115 | 30,051 |
| Total Risk Weighted Assets | 353,612 | 215,604 |
| Leverage Ratio | 8.41 | 12.068 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 10.23 | 16.451 |
| Total Capital Ratio | 11.34 | 17.564 |
Timeline for Public Bank
Florida Choice Bank
Public Bank was acquired by Florida Choice Bank 17 years
View Profile Jun 16 2007
Peoples State Bank Of Groveland
Acquisition: Public Bank acquired a new subsidiary, Peoples State Bank Of Groveland, 20 years
View Profile Jun 05 2004
Alabama National Bancorporation
Alabama National Bancorporation became a new parent organization for Public Bank.
View Profile May 30 1998
Public Bank Corporation
Public Bank Corporation became a new parent organization for Public Bank.
View Profile Feb 21 1986
Public Bank
Public Bank was established 43 years ago and is currently headquartered in Saint Cloud, FL.
May 05 1981| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Florida Choice Bank | Buyer | 868,805 | Pooling of Interests | Discontinued | 6/16/2007 |
| Peoples State Bank Of Groveland | Seller | 165,550 | Pooling of Interests | Discontinued | 6/5/2004 |
| Relationships | Role | Relationship Start | Relationship End |
| Alabama National Bancorporation | Parent | 5/30/1998 | 6/15/2007 |
| Public Bank Corporation | Parent | 3/18/1988 | 5/29/1998 |
| Public Bank Corporation | Parent | 3/31/1987 | 3/17/1988 |
| Public Bank Corporation | Parent | 12/31/1986 | 3/30/1987 |
| Public Bank Corporation | Parent | 2/21/1986 | 12/30/1986 |
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