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First National Bank of Central Florida

Winter Park, FL · Cert 26297

FDIC

Q1 2011

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: Q1 2011, the quarter ended March 31, 2011, 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

First National Bank of Central Florida

Winter Park, FL · Cert 26297

FDIC

Q1 2011

$342.1MAssets
$239.8MLoans
$308.8MDeposits
$-439KEquity
Loan mix
86%RE $130.1M13%C&I $20.0M0%Consumer $0.6MQ1 2010Q1 2011
Deposit mix
89%Interest-bearing $273.5M11%Noninterest $35.3MQ1 2010Q1 2011

NIM

4.70%Q1 ’093.80%Q1 ’103.13%Q1 ’11-3%-15%

Non-interest income vs. expense

1.98%Q1 ’092.78%Q1 ’103.88%Q1 ’11+54%+92%

Executive Summary

  • Earnings: ROA of -6.80%, down 558 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.74%.
  • Funding: loans stand at 77.65% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-6.80%-558 bps YoY

Net Interest Margin (YTD, annualized)

1.77%-30 bps YoY

Efficiency Ratio (YTD, annualized)

521%+40,033 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets-1.22%-2.92%-3.44%-7.66%-6.80%-558 bps
Return on Equity-16.20%-38.44%-46.92%-121.26%-964%-94,752 bps
Net Interest Margin2.08%2.39%2.33%2.34%1.77%-30 bps
Efficiency Ratio120.64%262%363%232%521%+40,033 bps
Non-Interest Burden2.55%4.30%4.63%4.26%4.91%+236 bps
Growth
Asset Growth (YoY)-20.54%-22.29%-15.41%-20.85%-19.90%+64 bps
Loan Growth (YoY)-18.84%-16.46%-14.91%-18.41%-20.52%-167 bps
Deposit Growth (YoY)-20.77%-22.98%-14.27%-16.39%-13.48%+729 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.42%4.34%3.67%6.72%3.74%+232 bps
Allowance / Loans3.91%3.90%5.21%4.56%5.25%+134 bps
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 Capital10.01%8.73%5.48%3.25%-0.25%-1,026 bps
Equity / Assets7.54%7.69%6.50%1.52%-0.13%-767 bps
Liquidity & Funding
Loans / Deposits84.53%86.45%84.60%82.34%77.65%-688 bps
Liquid Assets / Assets7.11%2.86%5.79%7.13%11.39%+428 bps
CRE / Total Capitaln/an/an/an/an/an/an/a