PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Central Florida

Orlando, FL · Cert 21979

FDIC

Q4 2001

$247.5MAssets
$110.5MLoans
$198.4MDeposits
$24.6MEquity
Loan mix
22%RE $9.7M73%C&I $32.0M5%Consumer $2.3MQ4 2000Q4 2001
Deposit mix
71%Interest-bearing $140.7M29%Noninterest $57.7MQ4 2000Q4 2001

NIM

7.88%Q1 ’017.05%Q3 ’016.67%Q4 ’01-10%-4%

Non-interest income vs. expense

3.18%Q1 ’012.91%Q3 ’013.20%Q4 ’01-8%+15%

Executive Summary

  • Earnings: ROA of 1.95%, down 13 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 55.68% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.95%-13 bps YoY

Net Interest Margin (YTD, annualized)

4.19%

Efficiency Ratio (YTD, annualized)

64.91%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets2.09%2.52%2.54%2.42%1.95%-13 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a4.81%4.59%4.35%4.19%n/a
Efficiency Ration/a56.09%56.83%56.78%64.91%n/a
Non-Interest Burdenn/a2.32%2.25%2.14%2.46%n/a
Growth
Asset Growth (YoY)12.23%12.25%13.04%12.88%10.88%-135 bps
Loan Growth (YoY)14.30%14.55%18.97%15.79%9.38%-492 bps
Deposit Growth (YoY)10.43%6.48%7.88%14.43%11.55%+111 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a-0.35%-0.29%-0.19%-0.01%n/a
Allowance / Loansn/a1.15%1.26%1.32%1.17%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/a17.50%17.54%17.56%17.17%n/a
Equity / Assetsn/a10.71%10.24%10.62%9.94%n/a
Liquidity & Funding
Loans / Deposits56.78%62.21%60.34%56.21%55.68%-110 bps
Liquid Assets / Assets0.00%0.36%3.09%2.03%0.33%+33 bps
CRE / Total Capitaln/an/an/an/an/an/an/a