PackageTrendsPeer
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Florida Bank of Commerce

Palm Harbor, FL · Cert 20358

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Florida Bank of Commerce

Palm Harbor, FL · Cert 20358

FDIC

Q4 2001

$63.6MAssets
$38.8MLoans
$57.8MDeposits
$4.2MEquity
Loan mix
88%RE $13.5M12%C&I $1.8M0%Consumer $0.1MQ4 2000Q4 2001
Deposit mix
89%Interest-bearing $51.3M11%Noninterest $6.5MQ4 2000Q4 2001

NIM

7.42%Q1 ’016.97%Q3 ’016.63%Q4 ’01-6%-3%

Non-interest income vs. expense

2.79%Q1 ’012.68%Q3 ’012.65%Q4 ’01-3%-1%

Executive Summary

  • Earnings: ROA of 0.42%, down 21 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 67.19% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.42%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.88%

Efficiency Ratio (YTD, annualized)

79.51%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.63%0.46%0.44%0.45%0.42%-21 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.15%3.00%2.97%2.88%n/a
Efficiency Ration/a75.96%77.04%77.84%79.51%n/a
Non-Interest Burdenn/a2.27%2.20%2.21%2.19%n/a
Growth
Asset Growth (YoY)16.30%20.66%19.45%11.51%20.03%+373 bps
Loan Growth (YoY)15.93%18.09%9.37%15.88%11.55%-438 bps
Deposit Growth (YoY)12.91%20.29%25.24%13.59%22.37%+947 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.00%0.00%-0.06%n/a
Allowance / Loansn/a1.22%1.23%1.14%1.23%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a12.71%12.68%12.05%12.02%n/a
Equity / Assetsn/a7.47%7.21%7.29%6.64%n/a
Liquidity & Funding
Loans / Deposits73.71%73.27%72.26%75.37%67.19%-652 bps
Liquid Assets / Assets0.00%5.49%5.27%4.46%1.94%+194 bps
CRE / Total Capitaln/an/an/an/an/an/an/a