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Floridian Bank

Ormond Beach, FL · Cert 58173

FDIC · 9 branches

Q4 2015

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 2015, the quarter ended December 31, 2015, 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 Bank

Ormond Beach, FL · Cert 58173

FDIC · 9 branches

Q4 2015

$403.9MAssets
$285.6MLoans
$339.9MDeposits
$51.0MEquity
Loan mix
81%RE $181.6M18%C&I $39.3M1%Consumer $3.2MQ4 2014Q4 2015
Deposit mix
76%Interest-bearing $259.5M24%Noninterest $80.4MQ4 2014Q4 2015

NIM

3.93%Q4 ’133.34%Q4 ’143.38%Q4 ’15-17%+3%

Non-interest income vs. expense

3.27%Q4 ’133.03%Q4 ’142.67%Q4 ’15-22%0%

Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2015 SOD (annual) · 2.4% share · #9 of 27 inst. · $0.2B of $9.9B

2.7% Volusia
0.3% Orange
0.8% Seminole
0.3% Lake

Executive Summary

  • Earnings: ROA of 0.46%, down 375 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.73%.
  • Funding: loans stand at 84.01% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.46%-375 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+10 bps YoY

Efficiency Ratio (YTD, annualized)

79.67%-308 bps YoY

Tier 1 Leverage Ratio

10.73%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets4.21%0.46%0.48%0.44%0.46%-375 bps
Return on Equity35.21%3.61%3.95%3.59%3.76%-3,145 bps
Net Interest Margin3.00%3.33%3.13%2.89%3.10%+10 bps
Efficiency Ratio82.75%78.90%77.77%78.86%79.67%-308 bps
Non-Interest Burden2.37%2.51%2.31%2.18%2.37%0 bps
Growth
Asset Growth (YoY)184.94%138.83%16.60%4.22%1.06%-18,388 bps
Loan Growth (YoY)147.45%142.74%6.30%5.92%4.52%-14,293 bps
Deposit Growth (YoY)173.49%121.76%16.19%5.51%1.27%-17,223 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.38%0.00%0.00%-0.02%-0.01%-40 bps
Allowance / Loans1.71%1.73%1.70%1.63%1.55%-16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a11.28%10.77%10.12%10.73%n/a
Total Risk-Based Capital15.76%16.01%15.20%15.24%15.76%0 bps
Equity / Assets12.51%13.18%11.13%12.05%12.64%+13 bps
Liquidity & Funding
Loans / Deposits81.40%84.37%72.51%79.91%84.01%+261 bps
Liquid Assets / Assets0.11%0.47%0.29%0.11%0.03%-8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a