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Floridian Community Bank, Inc.

Davie, FL · Cert 57382

FDIC · 5 branches

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Floridian Community Bank, Inc.

Davie, FL · Cert 57382

FDIC · 5 branches

Q4 2017

$528.1MAssets
$435.6MLoans
$402.6MDeposits
$47.3MEquity
Loan mix
79%RE $271.2M15%C&I $50.8M6%Consumer $20.3MQ4 2016Q4 2017
Deposit mix
81%Interest-bearing $325.5M19%Noninterest $77.1MQ4 2016Q4 2017

NIM

3.96%Q4 ’154.14%Q4 ’164.25%Q4 ’17+6%-2%

Non-interest income vs. expense

2.70%Q4 ’152.72%Q4 ’162.36%Q4 ’17+11%-8%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 0.2% share · #43 of 99 inst. · $0.4B of $231.7B

0.5% Palm Beach
0.3% Broward

Executive Summary

  • Earnings: ROA of 0.71%, up 32 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.29% of loans (+29 bps YoY), with net recoveries of 0.15%.
  • Capital: tier 1 leverage ratio of 8.75%, down 203 bps from a year ago.
  • Funding: loans stand at 108.20% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.71%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-7 bps YoY

Efficiency Ratio (YTD, annualized)

64.92%-518 bps YoY

Tier 1 Leverage Ratio

8.75%-203 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.40%0.65%0.57%0.63%0.71%+32 bps
Return on Equity3.68%6.65%6.38%7.12%8.03%+435 bps
Net Interest Margin3.52%3.79%3.38%3.29%3.46%-7 bps
Efficiency Ratio70.10%70.29%68.13%67.41%64.92%-518 bps
Non-Interest Burden2.36%2.55%2.23%2.15%2.18%-18 bps
Growth
Asset Growth (YoY)11.94%23.05%53.82%41.60%24.82%+1,288 bps
Loan Growth (YoY)16.23%30.75%38.84%33.26%22.47%+624 bps
Deposit Growth (YoY)21.34%19.56%53.08%41.03%19.94%-140 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.74%0.51%0.29%0.29%+29 bps
Net Charge-Offs / Loans0.66%-0.03%-0.03%-0.18%-0.15%-82 bps
Allowance / Loans0.88%0.87%0.91%1.06%1.07%+20 bps
Allowance Coverage of NPLsn/a1.2x1.8x3.6x3.7xn/a
Capital
Tier 1 Leverage Ratio10.78%10.18%8.83%8.44%8.75%-203 bps
Total Risk-Based Capital13.30%12.39%11.11%11.60%12.14%-116 bps
Equity / Assets10.28%9.23%7.83%8.47%8.95%-133 bps
Liquidity & Funding
Loans / Deposits105.96%108.98%99.34%107.67%108.20%+224 bps
Liquid Assets / Assets5.76%7.81%13.06%7.33%6.17%+41 bps
CRE / Total Capitaln/an/an/an/an/an/an/a