Bank directory 3 (Sara/Mana edition)

Bank directory 3 (Sara/Mana edition)

Regions Bank

417 N. 20th St., Birmingham, Ala. 35203

6001 26th St. W., Bradenton, Fla. 34207

Phone: (941) 747-8865 Fax: (941) 755-3295

Web site: www.regions.com

Established: Jan. 1, 1928

S-Corp: No

Lead local executive: Val Perez, president/CEO; bank directors: Shelia Blair, Malcolm Portera, James Boone Jr., Jon Rotenstreich, James French, Henry Simpson, Margaret Greene, W. Woodrow Stewart, Richard Horsley, Lee Styslinger III, Carl Jones Jr., John Watson, Susan Matlock, C. Kemmons Wilson Jr., Allen Morgan Jr., Harry Witt; chief local lending officer: DND

Year-to-date

Operations3/31/033/31/04

Total employees13,83212,741 Domestic Offices724714

Total assets 45,335,57745,267,824

Net loans & leases 32,174,64233,792,743

Total deposits 32,731,83131,922,457

Equity capital 3,881,5524,014,289

Noncurrent loans & leases 295,214246,950

Insider loans 791826

Total interest income 575,492534,193

Total interest expense 199,698141,027

Net interest income 375,794393,166

Total noninterest income 182,353156,427

Total noninterest expense 330,618336,936

Salaries & employee benefits 165,489175,612

Pre-tax net operating income 195,392196,397

Net income 148,065150,079

Performance Ratios (%)

Yield on earning assets 5.58%5.10%

Net interest margin 3.64%3.75%

Noninterest expense/assets 3.21%3.22%

Return on assets (ROA) 1.31%1.33%

Return on equity (ROE) 15.41%15.31%

Net charge-offs to loans 0.24%0.17%

Efficiency ratio 59.17%61.23%

Assets/employee ($ millions) 3.283.55

Loss allowance/loans 1.38%1.33%

Noncur. assets, OREO/assets 0.79%0.65%

Noncurrent loans/loans 0.90%0.72%

Net loans, leases/deposits 98.30%105.86%

Equity capital to assets 8.56%8.87%

R-G Crown Bank

105 Live Oaks Gardens, Casselberry, Fla. 32707

5677 S. Beneva Road, Sarasota, Fla. 34233

Phone: (941) 921-3913 Fax: (941) 925-0381

Web site: www.rgcrownbank.com

Established: June 20, 1985

S-Corp: No

Lead local executive: Debra Rowe, regional manager; bank directors: Victor Galan, John A. Koegel, Gilberto Rivera-Arreaga, Ivan A. Mendez, Ileana M. Colon-Carlo, H. Douglas Miller, Benigno Fernandez, Ramon Prats, Roberto Gorbea, John R. Shipe, John E. Knight, Ralph S. Spano; chief local lending officer: Greg Puzner, underwriter

Year-to-date

Operations3/31/033/31/04

Total employees 367419

Domestic Offices1414

Total assets 872,6951,304,308

Net loans & leases 499,837837,819

Total deposits 584,057785,253

Equity capital 118,288155,639

Noncurrent loans & leases 6,3306,549

Insider loans 00

Total interest income 10,28114,541

Total interest expense 5,0706,508

Net interest income 5,2118,033

Total noninterest income 758-743

Total noninterest expense 10,5709,792

Salaries & employee benefits 5,3415,558

Pre-tax net operating income -4,951-3,417

Net income -3,3206,483

Performance Ratios (%)

Yield on earning assets 6.02%5.15%

Net interest margin 3.05%2.84%

Noninterest expense/assets 6.18%3.46%

Return on assets (ROA) -1.54%2.00%

Return on equity (ROE) -11.09%17.12%

Net charge-offs to loans 0.54%0.09%

Efficiency ratio 177.08%133.25%

Assets/employee ($ millions) 2.383.11

Loss allowance/loans 1.13%0.81%

Noncur. assets, OREO/assets 0.86%0.58%

Noncurrent loans/loans 1.25%0.78%

Net loans, leases/deposits 85.58%106.69%

Equity capital to assets 13.55%11.93%

SouthTrust Bank

420 N. 20th St., Birmingham, Ala. 35230

1800 2nd St., Sarasota, Fla. 34236

Phone: (800) 225-5782

Web site: www.southtrust.com

Established: Nov. 9, 1887

S-Corp: No

Lead local executive: Brian Hall; bank directors: Wallace D. Malone Jr., Thomas H. Coley, Carl F. Bailey, John M. Bradford, William A. Coley, David J. Cooper, Garry N. Drummond, H. Allen Franklin, William C. Hulsey, Donald M. James, Allen J. Keesler Jr., Dr. Judy M. Merritt, Van L. Richey; chief local lending officer: Joe Gessner, commercial banking manager

Year-to-date

Operations3/31/033/31/04

Total employees12,62412,073

Domestic Offices707707

Total assets 51,329,09052,666,923

Net loans & leases 34,872,61536,075,405

Total deposits 32,620,75035,813,819

Equity capital 4,627,9204,431,272

Noncurrent loans & leases 273,382241,394

Insider loans 595,217431,027

Total interest income 616,621566,931

Total interest expense 197,903154,433

Net interest income 418,718412,498

Total noninterest income 158,890148,377

Total noninterest expense 299,748276,616

Salaries & employee benefits 180,523162,362

Pre-tax net operating income 248,460256,737

Net income 167,685177,714

Performance Ratios (%)

Yield on earning assets 5.38%4.82%

Net interest margin 3.65%3.50%

Noninterest expense/assets 2.61%2.35%

Return on assets (ROA) 1.32%1.36%

Return on equity (ROE) 14.34%16.22%

Net charge-offs to loans 0.32%0.30%

Efficiency ratio 51.15%48.47%

Assets/employee ($ millions) 4.074.36

Loss allowance/loans 1.41%1.37%

Noncur. assets, OREO/assets 0.63%0.54%

Noncurrent loans/loans 0.77%0.66%

Net loans, leases/deposits 106.90%100.73%

Equity capital to assets 9.02%8.41%

Suncoast Bank

8592 Potter Park Drive, Sarasota, Fla. 34238

Phone: (941) 923-0500 Fax: (941) 924-5525

Web site: www.suncoastnationalbank.com

Established: Sept. 7, 1999

S-Corp: No

Lead local executive: John T. Stafford, president/CEO

bank directors: Larry Berberich, Dr. Henry Black, F. Ronald Foxworthy, Larry Geimer, William Gnerre, Donald McDonough, James Rutledge, John Stafford, Dr. Stanley Williams, Roy Yahraus.

chief local lending officer: William Gnerre, executive vice president

Year-to-date

Operations3/31/033/31/04

Total employees1921

Domestic Offices33

Total assets 62,22987,824

Net loans & leases 43,48865,729

Total deposits 55,97679,710

Equity capital 5,1407,512

Noncurrent loans & leases 570

Insider loans 4,0624,586

Total interest income 7961,032

Total interest expense 306364

Net interest income 490668

Total noninterest income 527

Total noninterest expense 464536

Salaries & employee benefits 268307

Pre-tax net operating income 10118

Net income 867

Performance Ratios (%)

Yield on earning assets 5.64%5.19%

Net interest margin 3.47%3.36%

Noninterest expense/assets 3.29%2.70%

Return on assets (ROA) 0.05%0.31%

Return on equity (ROE) 0.66%3.60%

Net charge-offs to loans 00

Efficiency ratio 93.74%77.12%

Assets/employee ($ millions) 3.284.18

Loss allowance/loans 1.22%1.05%

Noncur. assets, OREO/assets 0.31%0

Noncurrent loans/loans 0.13%0

Net loans, leases/deposits 77.69%82.46%

Equity capital to assets 8.26%8.55%

SunTrust Bank

303 Peachtreet St., N.E., Atlanta, Ga. 30308

1777 Main St., Sarasota, Fla. 34236

Phone: (941) 951-3307 Fax: (941) 951-3200

Web site: www.suntrust.com

Established: Sept. 21, 1891

S-Corp: No

Lead local executive: Ray Sandhagen, CEO; bank directors: L. Phillip Humann, M. Douglas Ivester, Frank Royal M.D., J. Hyatt Brown, Summerfield Johnston Jr., James Williams, Alston Correll, J. Hicks Lanier, Karen Williams, Douglas Daft, G. Gilmer Minor III, Patricia Frist, Larry Prince, David Hughes, R. Randall Rollings; chief local lending officers: Bruce Page, Executive Vice President and Senior Lending Officer for Commercial Banking and Susan Brown, Executive Vice President and Senior Real Estate Finance Manager

Year-to-date

Operations3/31/033/31/04

Total employees25,88626,279 Domestic Offices12201233

Total assets 118,314,981124,298,068

Net loans & leases 81,199,63684,118,539

Total deposits 78,245,14381,227,391

Equity capital 9,136,17710,195,666

Noncurrent loans & leases 679,501453,719

Insider loans 683,010824,963

Total interest income 1,210,2811,164,018

Total interest expense 363,076295,606

Net interest income 847,205868,412

Total noninterest income 452,093539,003

Total noninterest expense 759,176857,997

Salaries & employee benefits 414,682452,283

Pre-tax net operating income 459,797489,457

Net income 337,823358,834

Performance Ratios (%)

Yield on earning assets 4.58%4.14%

Net interest margin 3.21%3.09%

Noninterest expense/assets 2.87%3.05%

Return on assets (ROA) 1.16%1.15%

Return on equity (ROE) 14.88%14.32%

Net charge-offs to loans 0.39%0.27%

Efficiency ratio 57.14%59.87%

Assets/employee ($ millions) 4.574.73

Loss allowance/loans 1.12%1.10%

Noncur. assets, OREO/assets 0.60%0.39%

Noncurrent loans/loans 0.83%0.53%

Net loans, leases/deposits 103.78%103.56%

Equity capital to assets 7.72%8.20%

Third Federal Savings and

Loan Association of Cleveland

7007 Broadway Ave., Cleveland, Ohio 44105

3355 Clark Road, Suite 1, Sarasota, Fla. 34231

Phone: (941) 927-6961 Fax: (941) 929-0741

Web site: www.thirdfederal.com

Established: Aug. 4, 1938

S-Corp: No

Lead local executive: Helen Sears, branch manager; bank directors: DND; chief local lending officer: DND

Year-to-date

Operations3/31/033/31/04

Total employees1,0321,037

Domestic Offices4242

Total assets 8,015,2488,191,157

Net loans & leases 6,483,5257,371,769

Total deposits 7,178,8427,281,665

Equity capital 709,515770,819

Noncurrent loans & leases 28,20730,832

Insider loans 00

Total interest income 98,16194,037

Total interest expense 60,40755,784

Net interest income 37,75438,253

Total noninterest income 4,3125,406

Total noninterest expense 27,18828,504

Salaries & employee benefits 13,59115,925

Pre-tax net operating income 13,07813,855

Net income 16,10610,733

Performance Ratios (%)

Yield on earning assets 5.20%4.86%

Net interest margin 2.00%1.98%

Noninterest expense/assets 1.44%1.47%

Return on assets (ROA) 0.81%0.53%

Return on equity (ROE) 9.19%5.62%

Net charge-offs to loans 0.01%0.02%

Efficiency ratio 64.63%64.74%

Assets/employee ($ millions) 7.777.90

Loss allowance/loans 0.13%0.16%

Noncur. assets, OREO/assets 0.38%0.39%

Noncurrent loans/loans 0.43%0.42%

Net loans, leases/deposits 90.31%101.24%

Equity capital to assets 8.85%9.41%

United Bank and Trust Co.

5801 49th St. N., Saint Petersburg, Fla. 33733

1400 State St., Sarasota, Fla. 34236

Phone: (941) 362-9595 Fax: (941) 556-1014

Web site: www.unitedbank.com

Established: Feb. 19, 1980

S-Corp: No

Lead local executive: Mark Dunlop, city executive

bank directors: C. Peter Bardin, W. Stuart Gregory, Edward L. Kalin, Daniel Kane, Stanley B. Kane, Harold Libby, Marlene Liberman, Hugh E. McGuire, Neil W. Savage and Steven R. Matzkin; chief local lending officer: L. Thomas Baker, senior VP/ Commercial Lending

Year-to-date

Operations3/31/033/31/04

Total employees107112

Domestic Offices88

Total assets 380,459455,575

Net loans & leases 270,204295,296

Total deposits 334,206338,755

Equity capital 28,39385,030

Noncurrent loans & leases 4,3931,243

Insider loans 10,0188,334

Total interest income 1,7705,215

Total interest expense 386813

Net interest income 1,3844,402

Total noninterest income 506976

Total noninterest expense 8673,379

Salaries & employee benefits 5392,059

Pre-tax net operating income 9231,774

Net income 5711,105

Performance Ratios (%)

Yield on earning assets 2.24%6.02%

Net interest margin 1.75%5.08%

Noninterest expense/assets 1.10%3.90%

Return on assets (ROA) 0.63%0.99%

Return on equity (ROE) 8.20%5.24%

Net charge-offs to loans -0.02%-0.01%

Efficiency ratio 45.87%58.44%

Assets/employee ($ millions) 3.564.07

Loss allowance/loans 2.03%1.92%

Noncur. assets, OREO/assets 1.69%0.48%

Noncurrent loans/loans 1.59%0.41%

Net loans, leases/deposits 80.85%87.17%

Equity capital to assets 7.46%18.66%

Wachovia Bank NA

First Union Plaza, Charlotte, N.C. 28288

1819 Main St., Sarasota, Fla. 34236

Phone: (941) 361-5800 Fax: (941) 361-5747

Web site: www.wachovia.com

Established: Jan. 11, 1994

S-Corp: No

Lead local executive: Jim Grey, market president; bank directors: John D. Baker, II, James S. Balloun, Robert J. Brown, Peter C. Browning, William H. Goodwin, Jr., Robert A. Ingram, Mackey J. McDonald, Joseph Neubauer, Lloyd U. Noland, III, John T. Casteen, III,Ruth G. Shaw, Lanty L. Smith, G. Kennedy Thompson, John C. Whitaker, Jr., Dona Davis Young; chief local lending officer: Jim Grey, market president

Year-to-date

Operations3/31/033/31/04

Total employees71,73768,873

Domestic Offices27502609

Total assets 323,783,000364,474,000

Net loans & leases 166,938,000176,722,000

Total deposits 201,555,000238,849,000

Equity capital 31,397,00031,878,000

Noncurrent loans & leases 2,004,0001,359,000

Insider loans 1,175,0001,545,000

Total interest income 3,537,0003,749,000

Total interest expense 1,092,0001,023,000

Net interest income 2,445,0002,726,000

Total noninterest income 1,546,0001,497,000

Total noninterest expense 2,443,0002,567,000

Salaries & employee benefits 1,156,0001,137,000

Pre-tax net operating income 1,345,0001,615,000

Net income 997,0001,118,000

Performance Ratios (%)

Yield on earning assets 5.59%5.05%

Net interest margin 3.86%3.67%

Noninterest expense/assets 3.86%3.46%

Return on assets (ROA) 1.24%1.25%

Return on equity (ROE) 12.83%14.36%

Net charge-offs to loans 0.64%0.13%

Efficiency ratio 57.75%58.25%

Assets/employee ($ millions) 4.515.29

Loss allowance/loans 1.60%1.35%

Noncur. assets, OREO/assets 0.66%0.41%

Noncurrent loans/loans 1.18%0.76%

Net loans, leases/deposits 82.83%73.99%

Equity capital to assets 9.70%8.75%

World Savings Bank, FSB

1970 Broadway St., Oakland, Calif. 94612

5858 Cortez Road, Bradenton, Fla. 34210

Phone: (941) 794-3636 Fax: (941) 798-9418

Web site: N/A

Established: Oct. 8, 1987

S-Corp: No

Lead local executive: DND; bank directors: DND; chief local lending officer: DND

Year-to-date

Operations3/31/033/31/04

Total employees9,0619,061

Domestic Offices285285

Total assets 86,525,59886,525,598

Net loans & leases 79,449,51279,449,512

Total deposits 47,558,42247,558,422

Equity capital 6,598,5436,598,543

Noncurrent loans & leases 399,799399,799

Insider loans 2,9102,910

Total interest income 938,754938,754

Total interest expense 308,902308,902

Net interest income 629,852629,852

Total noninterest income 45,16945,169

Total noninterest expense 189,245189,245

Salaries & employee benefits 124,847124,847

Pre-tax net operating income 485,831485,831

Net income 305,584305,584

Performance Ratios (%)

Yield on earning assets 4.62%4.62%

Net interest margin 3.10%3.10%

Noninterest expense/assets 0.93%0.93%

Return on assets (ROA) 1.45%1.45%

Return on equity (ROE) 18.97%18.97%

Net charge-offs to loans 0.00%0.00%

Efficiency ratio 27.73%27.73%

Assets/employee ($ millions) 9.559.55

Loss allowance/loans 0.36%0.36%

Noncur. assets, OREO/assets 0.48%0.48%

Noncurrent loans/loans 0.50%0.50%

Net loans, leases/deposits 167.06%167.06%

Equity capital to assets 7.63%7.63%