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Community Bank of Marion County

Ocala, FL · Cert 34683

FDIC · 11 branches

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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 Marion County

Ocala, FL · Cert 34683

FDIC · 11 branches

Q3 2019

$743.6MAssets
$293.9MLoans
$673.0MDeposits
$67.4MEquity
Loan mix
88%RE $205.1M10%C&I $23.4M2%Consumer $4.0MQ3 2018Q3 2019
Deposit mix
63%Interest-bearing $421.2M37%Noninterest $251.8MQ3 2018Q3 2019

NIM

3.06%Q3 ’173.36%Q3 ’183.50%Q3 ’19+8%-3%

Non-interest income vs. expense

2.40%Q3 ’172.61%Q3 ’182.52%Q3 ’19+6%-3%

Market Position · Ocala, FL · 2019 SOD (annual) · 8.1% share · #6 of 21 inst. · $0.5B of $6.4B

8.1% Marion
3.6% Sumter
1.3% Alachua

Executive Summary

  • Earnings: ROA of 0.93%, down 20 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.04% of loans (+3 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 8.58%, down 69 bps from a year ago.
  • Funding: loans stand at 43.67% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.93%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-8 bps YoY

Efficiency Ratio (YTD, annualized)

69.01%-7 bps YoY

Tier 1 Leverage Ratio

8.58%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.13%1.10%0.88%0.91%0.93%-20 bps
Return on Equity13.71%13.30%10.01%10.17%10.32%-339 bps
Net Interest Margin3.02%3.04%2.97%3.01%2.94%-8 bps
Efficiency Ratio69.08%68.44%70.14%69.19%69.01%-7 bps
Non-Interest Burden1.85%1.84%1.87%1.86%1.80%-5 bps
Growth
Asset Growth (YoY)-3.73%4.12%4.47%6.94%5.89%+962 bps
Loan Growth (YoY)7.96%6.69%5.23%6.54%-0.68%-864 bps
Deposit Growth (YoY)-4.51%4.11%3.42%5.55%5.95%+1,045 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.10%0.00%0.04%+3 bps
Net Charge-Offs / Loans-0.46%-0.35%-0.06%-0.05%-0.06%+40 bps
Allowance / Loans1.32%1.29%1.31%1.35%1.39%+7 bps
Allowance Coverage of NPLs130.2x158.2x12.8x366.7x39.0x-91.2x
Capital
Tier 1 Leverage Ratio9.26%9.46%9.35%9.34%8.58%-69 bps
Total Risk-Based Capital15.54%15.96%16.88%16.62%16.25%+71 bps
Equity / Assets8.23%8.41%9.16%9.25%9.06%+83 bps
Liquidity & Funding
Loans / Deposits46.59%45.46%46.02%43.90%43.67%-291 bps
Liquid Assets / Assets0.93%6.30%6.41%7.63%9.55%+863 bps
CRE / Total Capitaln/an/an/an/an/an/an/a