Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 8.8. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.2) profitability.
Asset Mix:
Comm re (31%), securities (19%), cash (11%), comm loans (11%), home mtgs (10%), consumer loans (3%), home eq lns (2%), other (13%)
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
Bank of Central Florida Holding Company
Investment Rating
--
Address
5015 South Florida Avenue
Lakeland, FL 33813
Lakeland, FL 33813
Phone Number
(863) 701-2685
Year Founded
2007
FDIC Number
Largest Affiliates
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