# REUNION BANK OF FLORIDA
TAVARES, FL · FDIC certificate 58815 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $293.4M | |
| Deposits | $265.4M | |
| Loans and leases | $237.5M | |
| Total equity | $27.2M | |
| Loans / deposits | 88.57% (p77 of band) | 73.61% |
| Liquid assets / assets | 16.22% (p15 of band) | |
| Uninsured deposits / deposits | 25.03% (p86 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.42% (p27 of band) | 10.70% |
| Unrealized securities loss / equity | -1.73% (p5 of band) | 0.86% |
| AOCI / equity | -0.58% (p13 of band) | |
| ROA (annualized) | 0.68% (p38 of band) | 0.84% |
| Net interest margin | 3.58% (p47 of band) | 3.64% |
| Efficiency ratio | 67.94% (p38 of band) | |
| Noncurrent loans | 0.39% (p37 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 255.21% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 89.10% (p94 of band) | |
| Auto loans | $805,000 (0.34% of loans; DQ 0.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | capital falling, reserve under noncurrent, construction >100% equity |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | capital falling | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-04-30 [People on the Move: Eric Levy promoted at Corporate Traffic Logistics; Bruder new vice president for marketing and communications at UNF - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMikAJBVV95cUxQQTJ6S0R6WDAtR1REb3VmT0c5eWl5cUt0S0NNWDFsR2dTeGtISUN0ZVBFdlV4d1BQNThza0xVbGVZenY0ekxKTUJuMG10NU9meWRnMUJFa2FCYzZPVU5ZOWd3SThnM1NxMWxWc2Z4TFNKXzBCdnZlX1RoYXFOa0ZpV09IOVZUUUdFNTh2V3NlS08zX1E5Y2Z2RHZQdHJ0RUlnVDFNZUhmWU04S1FSbTBvSXVDejctT1ZNVGNBeEpTLVRNbTRVZzVmZzcyRWJPZW5RLTRIVXAta1h2czU2Z2RWTWlwaEJiaUhYLXZhV0xZVVNYVFNpRFRwc2F4Q2RLTUtuSklsVFlZbWtreVRfckZRQQ?oc=5) · Jacksonville Daily Record
- 2018-01-29 [Ormond Beach physician to run for Congress in 2018 - Observer Local News](https://news.google.com/rss/articles/CBMilwFBVV95cUxNMjVtOVhjQ0h4bl9BMVNkWUllaFNRSmpCZUNzb2hiNVkxZUJTM0dzaUg0ODk1SUx6TFNxMlJob1lNSVFJbFJjY2hxSld5WlpfakNmaWdNZU00OWhlV09HY3liblNwbGh3cFp1VzU0SUprSXJhbUJvaXpXRTdOWDRqMzV3MkFtTXVIeWJocUhDY0I2WkpCZmNN?oc=5) · Observer Local News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58815 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "58815", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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