# COMMUNITY BANK OF FL INC
HOMESTEAD, FL · FDIC certificate 21258 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $484.6M | |
| Deposits | $436.8M | |
| Loans and leases | $335.0M | |
| Total equity | $46.3M | |
| Loans / deposits | 75.50% (p36 of band) | 82.78% |
| Liquid assets / assets | 26.55% (p55 of band) | |
| Uninsured deposits / deposits | 23.31% (p62 of band) | 20.30% |
| Brokered deposits | 0.16% | |
| Wholesale funding | 0.16% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.72% (p15 of band) | 10.05% |
| Unrealized securities loss / equity | -0.01% (p33 of band) | 0.46% |
| AOCI / equity | -0.67% (p27 of band) | |
| ROA (annualized) | 0.37% (p11 of band) | 0.91% |
| Net interest margin | 4.12% (p81 of band) | 3.59% |
| Efficiency ratio | 83.79% (p87 of band) | |
| Noncurrent loans | 1.05% (p66 of band) | 0.71% |
| Net charge-offs (annualized) | 0.29% (p91 of band) | |
| Reserve coverage of noncurrent | 148.75% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 51.75% (p64 of band) | |
| Auto loans | $354,000 (0.11% of loans; DQ 4.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 145 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 | charge-offs p90 | noncurrent p90, construction >100% equity |
| 2011-09 | 2 |  |  |
| 2011-12 | 4 | losing money, expense ratio p90 |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90, losing money, expense ratio p90 |
| 2012-06 | 5 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2012-09 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2012-12 | 5 | leverage <7% |  |
| 2013-03 | 3 | assets shrinking | losing money, expense ratio p90, capital falling |
| 2013-06 | 1 |  | leverage <7%, assets shrinking |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 3 | charge-offs p90 |  |
| 2015-09 | 3 | capital falling | noncurrent p90 |
| 2015-12 | 2 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21258 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "21258", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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