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Community Bank of Florida

Homestead, FL · Cert 21258

FDIC · 11 branches

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Community Bank of Florida

Homestead, FL · Cert 21258

FDIC · 11 branches

Q4 2015

$484.6MAssets
$335.0MLoans
$436.8MDeposits
$46.3MEquity
Loan mix
90%RE $231.2M8%C&I $19.7M3%Consumer $6.9MQ4 2014Q4 2015
Deposit mix
69%Interest-bearing $302.2M31%Noninterest $134.6MQ4 2014Q4 2015

NIM

4.15%Q4 ’134.19%Q4 ’144.04%Q4 ’15+7%-1%

Non-interest income vs. expense

3.96%Q4 ’133.87%Q4 ’143.49%Q4 ’15+9%-3%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2015 SOD (annual) · 0.2% share · #45 of 105 inst. · $0.3B of $207.5B

0.3% Miami-Dade
2.6% Monroe
0.6% Polk

Executive Summary

  • Earnings: ROA of 0.37%, down 15 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.41%.
  • Capital: tier 1 leverage ratio of 8.72%.
  • Funding: loans stand at 76.70% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.37%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-4 bps YoY

Efficiency Ratio (YTD, annualized)

83.79%-172 bps YoY

Tier 1 Leverage Ratio

8.72%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.52%0.72%0.70%0.53%0.37%-15 bps
Return on Equity5.64%7.44%7.30%5.51%3.86%-178 bps
Net Interest Margin3.81%3.87%3.77%3.76%3.78%-4 bps
Efficiency Ratio85.51%76.95%78.72%78.73%83.79%-172 bps
Non-Interest Burden3.16%2.78%2.80%2.80%3.07%-9 bps
Growth
Asset Growth (YoY)-0.77%-1.19%1.50%2.46%4.91%+568 bps
Loan Growth (YoY)4.64%2.58%-0.26%0.20%-3.15%-779 bps
Deposit Growth (YoY)-1.43%-1.95%1.19%2.06%5.12%+655 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.00%0.36%0.59%0.41%+21 bps
Allowance / Loans1.48%1.60%1.51%1.53%1.56%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a8.90%8.81%8.75%8.72%n/a
Total Risk-Based Capital11.90%12.61%12.89%13.31%13.37%+147 bps
Equity / Assets9.72%9.58%9.38%9.62%9.55%-16 bps
Liquidity & Funding
Loans / Deposits83.24%79.95%75.91%76.48%76.70%-654 bps
Liquid Assets / Assets4.11%8.37%9.78%10.67%11.98%+787 bps
CRE / Total Capitaln/an/an/an/an/an/an/a