PackageTrendsPeer
Letter portraitLegal landscape

Florida Bank of Commerce

Orlando, FL · Cert 58081

FDIC · 7 branches

Q3 2016

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 2016, the quarter ended September 30, 2016, 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 2026-10-10

Florida Bank of Commerce

Orlando, FL · Cert 58081

FDIC · 7 branches

Q3 2016

$319.0MAssets
$231.0MLoans
$280.5MDeposits
$33.1MEquity
Loan mix
85%RE $159.8M15%C&I $28.1M0%Consumer $0.6MQ3 2015Q3 2016
Deposit mix
55%Interest-bearing $153.3M45%Noninterest $127.2MQ3 2015Q3 2016

NIM

4.20%Q3 ’144.01%Q3 ’153.88%Q3 ’16-4%-3%

Non-interest income vs. expense

3.08%Q3 ’142.98%Q3 ’153.01%Q3 ’16-9%+11%

Market Position · Orlando-Kissimmee-Sanford, FL · 2016 SOD (annual) · 0.4% share · #29 of 45 inst. · $0.2B of $44.8B

1.5% Brevard
0.3% Orange
0.5% Seminole
0.9% Osceola

Executive Summary

  • Earnings: ROA of 0.62%, down 23 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.58%, down 65 bps from a year ago.
  • Funding: loans stand at 82.35% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.62%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-11 bps YoY

Efficiency Ratio (YTD, annualized)

75.78%+671 bps YoY

Tier 1 Leverage Ratio

9.58%-65 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.85%0.85%0.68%0.77%0.62%-23 bps
Return on Equity7.70%7.69%6.32%7.18%5.86%-184 bps
Net Interest Margin3.83%3.74%3.93%3.80%3.72%-11 bps
Efficiency Ratio69.06%69.13%73.48%70.27%75.78%+671 bps
Non-Interest Burden2.46%2.40%2.79%2.57%2.73%+27 bps
Growth
Asset Growth (YoY)18.87%15.53%11.54%14.78%9.38%-949 bps
Loan Growth (YoY)10.46%11.87%9.59%10.88%10.76%+30 bps
Deposit Growth (YoY)20.21%16.67%11.43%14.84%8.66%-1,155 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%0.00%-0.02%-0.01%0.06%+11 bps
Allowance / Loans1.42%1.33%1.30%1.25%1.20%-22 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.23%10.10%10.16%9.77%9.58%-65 bps
Total Risk-Based Capital14.02%14.35%14.16%13.80%13.83%-19 bps
Equity / Assets10.65%10.98%10.64%10.41%10.38%-26 bps
Liquidity & Funding
Loans / Deposits80.78%85.91%83.96%83.04%82.35%+156 bps
Liquid Assets / Assets13.95%13.43%16.08%16.45%17.94%+400 bps
CRE / Total Capitaln/an/an/an/an/an/an/a