The First National Bank of Mount Dora
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 12.1. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Fair liquidity 4.5, driven by a liquidity ratio of 30.6 percent and a “hot money” ratio of 17.6 percent.
Asset Mix:
Securities (54%), home mtgs (15%), comm re (10%), cash (5%), consumer loans (2%), comm loans (1%), home eq lns (1%), other (12%)
States with Branches:
FL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
FNBMD Bancshares, Inc.
Investment Rating
--
Address
714 North Donnelly Street
Mount Dora, FL 32757
Mount Dora, FL 32757
Phone Number
(352) 383-2111
Year Founded
1925
FDIC Number
Website
Largest Affiliates
No affiliate information available.