# FLORIDIAN COMMUNITY BANK INC
DAVIE, FL · FDIC certificate 57382 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $528.1M | |
| Deposits | $402.6M | |
| Loans and leases | $435.6M | |
| Total equity | $47.3M | |
| Loans / deposits | 107.04% (p93 of band) | 85.15% |
| Liquid assets / assets | 14.62% (p20 of band) | |
| Uninsured deposits / deposits | 28.21% (p71 of band) | 21.69% |
| Brokered deposits | 6.55% | |
| Wholesale funding | 20.52% (p91 of band) | |
| FHLB advances / assets | 13.63% | |
| Tier 1 leverage | 8.75% (p13 of band) | 10.22% |
| Unrealized securities loss / equity | -1.25% (p33 of band) | -0.60% |
| AOCI / equity | 0.30% (p59 of band) | |
| ROA (annualized) | 0.71% (p34 of band) | 0.90% |
| Net interest margin | 3.86% (p63 of band) | 3.66% |
| Efficiency ratio | 64.92% (p42 of band) | |
| Noncurrent loans | 0.29% (p31 of band) | 0.54% |
| Net charge-offs (annualized) | -0.13% (p2 of band) | |
| Reserve coverage of noncurrent | 373.15% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 94.11% (p88 of band) | |
| Auto loans | $153,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 19.9% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 | charge-offs p90 | capital falling |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 4 | capital falling, losing money, noncurrent p90 |  |
| 2014-06 | 3 | loans exceed deposits, construction >100% equity | capital falling, losing money, noncurrent p90 |
| 2014-09 | 4 | wholesale funding >15% |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 5 | capital falling, losing money, noncurrent p90 | loans exceed deposits, construction >100% equity |
| 2015-06 | 3 |  | capital falling, losing money |
| 2015-09 | 4 | loans exceed deposits |  |
| 2015-12 | 4 | charge-offs p90 | noncurrent p90 |
| 2016-03 | 4 | losing money, uninsured deposits leaving | wholesale funding >15%, loans exceed deposits |
| 2016-06 | 6 | loans exceed deposits, assets shrinking |  |
| 2016-09 | 2 |  | reserve under noncurrent, losing money, uninsured deposits leaving, assets shrinking |
| 2016-12 | 3 | reserve under noncurrent |  |
| 2017-03 | 3 | wholesale funding >15%, capital falling | charge-offs p90, reserve under noncurrent |
| 2017-06 | 2 |  | loans exceed deposits |
| 2017-09 | 3 | loans exceed deposits |  |
| 2017-12 | 2 |  | capital falling |

## 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=57382 (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/38.json (key "57382", 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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