Florida Community Bank, National Association in Fort Lauderdale, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Florida Community Bank, National Association in Fort Lauderdale, Florida (FL)
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Florida Community Bank, National Association routing number info

Florida Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 58991
    Status: Active
    Federal Reserve ID: 4041421
    Bank Holding Company (Regulatory Top Holder): Bond Street Management, Llc (RSSDID: 3948420, Location: Miami, FL)
    Date Established: January 22, 2010
    WWW: http://www.floridacommunitybank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 46 (Domestic: 46, Interstate: No)
    FDIC's unique #: 491121
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 22, 2010
    Last Structure Change Effective Date: January 17, 2012
    Last Structure Change Process Date: Febuary 13, 2012
    Last Data Update: Febuary 13, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2500 Weston Road, Fort Lauderdale, FL 33331
    County: Broward
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: South Florida
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Fort Lauderdale, FL (#2680)
    Consolidated Metropolitan Statistical Area (CMSA): Miami-Fort Lauderdale, FL (#56)
    Core Based Statistical Area (CBSA): Miami-Fort Lauderdale-Pompano Beach, FL (#33100)
    CBSA Metro Statistical Area: Miami-Fort Lauderdale-Pompano Beach, FL (#33100)
    Core Based Statistical Division: Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (#22744)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $3,354.7 mil
    Equity capital: $428.2 mil
    Deposits held in domestic offices: $2,512.2 mil
    Return on assets (ROA): -0.35% (-$11.7 mil)
    Quarterly return on assets: -0.29% (-$9.7 mil)
    Return on Equity (ROE): -2.63% (-$11.3 mil)
    Quarterly return on equity: -2.30% (-$9.8 mil)
    Net income: -$10.4 mil
    Quarterly Net income: -$2.5 mil
    Pretax return on assets: -0.68% (-$22,811.7 mil)
    Quarterly Pretax return on assets: -0.36% (-$12,076.8 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 542Total employees (full-time equivalent)
  • $3,354,659Total assets
  • $63,337Cash and due from depository institutions
  • $54,760Interest-bearing balances
  • $1,687,926Securities
  • $324Federal funds sold & reverse repurchase agreements
  • $1,177,612Net loans & leases
  • $24,151Loan loss allowance
  • $0Trading account assets
  • $40,699Bank premises and fixed assets
  • $69,786Other real estate owned
  • $35,706Goodwill and other intangibles
  • $3,354,659Life insurance assets
  • $279,269All other assets
  • $2,926,471Total liabilities and capital
  • $2,512,230Total liabilities
  • $2,048,561Total deposits
  • $2,512,230Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $387,836Trading liabilities
  • $0Other borrowed funds
  • $26,405Subordinated debt
  • $428,188All other liabilities
  • $428,188Total equity capital
  • $428,188Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $425,171Surplus
  • $3,017Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $230,365Income earned, not collected on loans
  • $0Earning assets
  • $7,273Long-term assets (5+ years)
  • $2,920,622Average Assets, year-to-date
  • $734,293Average Assets, quarterly
  • $2,999,377Volatile liabilities
  • $3,434,313Insider loans
  • $1,666,627FHLB advances
  • $3,359,350Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $403,222Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $108,517Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $107,046Total interest income
  • $25,980Total interest expense
  • $81,066Net interest income
  • $21,090Provision for loan and lease losses
  • $27,898Total noninterest income
  • $0Fiduciary activities
  • $2,213Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25,685Additional noninterest income
  • $110,704Total noninterest expense
  • $42,169Salaries and employee benefits
  • $9,048Premises and equipment expense
  • $59,487Additional noninterest expense
  • -$22,830Pre-tax net operating income
  • $2,354Securities gains (losses)
  • -$10,058Applicable income taxes
  • -$10,418Income before extraordinary items
  • $0Extraordinary gains - net
  • -$10,418Net income attributable to bank
  • $0Net charge-offs
  • -$10,418Cash dividends
  • $5,962Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.07%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.08%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • -0.40%Net operating income to assets
  • -0.35%Return on assets (ROA)
  • -0.68%Pretax return on assets
  • -2.63%Return on equity (ROE)
  • -2.63%Retained earnings to average equity (YTD only)
  • 0.66%Net charge-offs to loans
  • 353.74%Credit loss provision to net charge-offs
  • -0.29%Efficiency ratio
  • 100,089Assets per employee
  • 6.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 10.48%Noncurrent assets plus other real estate owned to assets
  • 8.95%Noncurrent loans to loans
  • 19.17%Net loans and leases to deposits
  • 46.88%Net loans and leases to core deposits
  • 49.71%Equity capital to assets
  • 12.76%Core capital (leverage) ratio
  • 12.00%Tier 1 risk-based capital ratio
  • 24.19%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $2,999,377Average earning assets
  • $396,289Average equity
  • $2,631,007Average loans

List of branches

  • 46 Florida Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0491121Florida Community Bank, National Association2500 Weston Road, Fort Lauderdale, FL 33331January 22, 2010Full Service Brick and Mortar
    2444333Surfside Branch9526 Harding Avenue, Surfside, FL 33154August 25, 2005Full Service Brick and Mortar
    3446265Hialeah Gardens Branch8404 Nw 103rd Street, Suites B And C, Hialeah Gardens, FL 33016January 03, 2006Full Service Brick and Mortar
    4497944Bird Road Branch5900 Bird Road, Miami, FL 33155June 30, 2007Full Service Brick and Mortar
    53858Florida Community Bank Branch1400 North 15th Street, Immokalee, FL 34142July 07, 1923Full Service Brick and Mortar
    615122Lehigh Branch1261 Homestead Road, Lehigh Acres, FL 33936November 20, 1974Full Service Brick and Mortar
    712618Labelle Branch155 North Bridge Street, Labelle, FL 33935April 23, 1963Full Service Brick and Mortar
    9207975Port Charlotte Branch1255 Tamiami Trail, Port Charlotte, FL 33953July 13, 1998Full Service Brick and Mortar
    10361343Cypress Lake Branch7900 Summerlin Lake Drive, Fort Myers, FL 33907October 10, 2000Full Service Brick and Mortar
    11362620Punta Gorda Branch125 Nesbit Street, Punta Gorda, FL 33950November 01, 2001Full Service Brick and Mortar
    12365553Cape Coral Branch #14106 Del Prado Boulevard, Cape Coral, FL 33904August 07, 2002Full Service Brick and Mortar
    13419666Golden Gate Branch5240 Golden Gate Parkway, Naples, FL 34116June 02, 2003Full Service Brick and Mortar
    14442372North Cape Coral Branch205 Del Prado Boulevard South, Cape Coral, FL 33990January 12, 2005Full Service Brick and Mortar
    1635262Peninsula Bank Branch3100 South Mccall Road, Englewood, FL 34224January 21, 1986Full Service Brick and Mortar
    19259693South Sarasota Branch7231 South Tamiami Trail, Sarasota, FL 34231November 01, 1995Full Service Brick and Mortar
    20259694Sarasota Main Street Branch1790 Main Street, Sarasota, FL 34236December 01, 1998Full Service Brick and Mortar
    21259695North Miami Beach Branch1802 North East Miami Gardens Drive, North Miami Beach, FL 33179October 10, 1998Full Service Brick and Mortar
    22259696Margate Branch5375 West Atlantic Boulevard, Margate, FL 33063March 29, 1999Full Service Brick and Mortar
    23363099Delray Beach Branch4920 West Atlantic Avenue, Delray Beach, FL 33484December 11, 2001Full Service Brick and Mortar
    24439425Palm Beach Lakes Branch2001 Palm Beach Lakes Boulevard, West Palm Beach, FL 33409March 17, 2005Full Service Brick and Mortar
    26466958Hagen Ranch Office Branch7593 Boynton Beach Blvd. #120, Boynton Beach, FL 33437December 14, 2006Full Service Brick and Mortar
    27489871West Boca Branch11431 W Palmetto Park Rd, Boca Raton, FL 33428March 16, 2009Full Service Brick and Mortar
    28490044North Port Branch4300 Aidan Lane, North Port, FL 34287March 06, 2009Full Service Brick and Mortar
    29512925Bonita Beach Branch3360 Bonita Beach Road, Bonita Springs, FL 34133August 16, 2010Full Service Brick and Mortar
    3080562Sunshine State Communiy Bank Branch4777 Clyde Morris Boulevard, Port Orange, FL 32129July 24, 2000Full Service Brick and Mortar
    31358862Messenger Service Branch4777 Clyde Morris Boulevard, Port Orange, FL 32119September 20, 2000Limited Service Messenger
    32425794Ridgewood Avenue Branch4410 Ridgewood Avenue, Port Orange, FL 32127January 20, 2004Full Service Brick and Mortar
    33441441Holly Hill Branch1812 Ridgewood Ave, Holly Hill, FL 32117June 30, 2005Full Service Brick and Mortar
    35472091Ormond Beach Branch1120 West Granada Boulevard, Ormond Beach, FL 32174Febuary 21, 2008Full Service Brick and Mortar
    3632715First National Bank Of Central Flori369 North New York Avenue, Winter Park, FL 32789July 15, 1985Full Service Brick and Mortar
    37258854Longwood Branch2160 West State Road 434, Longwood, FL 32779July 08, 1999Full Service Brick and Mortar
    38360604Dr. Phillips Office Branch8910 Conroy-Windermer Road, Orlando, FL 32835June 25, 2001Full Service Brick and Mortar
    39423334Lake Mary/Heathrow Branch1511 International Parkway, Heathrow, FL 32746October 14, 2003Full Service Brick and Mortar
    40447941South Orlando Branch500 East Michigan Avenue, Orlando, FL 32806Febuary 10, 2006Full Service Brick and Mortar
    41476597Apoke Branch130 S Park Avenue, Apopka, FL 32703May 20, 2008Full Service Brick and Mortar
    42418718Cortez Community Bank Branch1000 South Broad Street, Brooksville, FL 34601January 26, 2004Full Service Brick and Mortar
    43453005Spring Hill Branch13080 Spring Hill Drive, Spring Hill, FL 34609July 17, 2006Full Service Brick and Mortar
    4461961Coastal Bank Branch1701 North Atlantic Avenue, Cocoa Beach, FL 32931Febuary 17, 1999Full Service Brick and Mortar
    45419128Merritt Island Branch2105 N Courtenay Parkway, Merritt Island, FL 32953March 17, 2003Full Service Brick and Mortar
    46521338Moorings Branch2400 Tamiami Trail North, Suite 100, Naples, FL 34103June 20, 2011Full Service Brick and Mortar
    47521339Vanderbilt Branch2325 Vanderbilt Beach Road, Naples, FL 34109June 20, 2011Full Service Brick and Mortar
    4861932First Peoples Bank Branch1301 S.E. Port Saint Lucie Boulevard, Port Saint Lucie, FL 34952April 26, 1999Full Service Brick and Mortar
    49418421Messenger Service Branch1301 S. E. Port Saint Lucie Blvd., Port Saint Lucie, FL 34952May 11, 1999Limited Service Messenger
    50425155Stuart Branch715 Colorado Avenue, Stuart, FL 34994December 15, 2003Full Service Brick and Mortar
    51429729Fort Pierce Branch2500 Virginia Avenue, Fort Pierce, FL 34981June 24, 2004Full Service Brick and Mortar
    52450393Vero Beach Office4000 20th Street, Vero Beach, FL 32960March 30, 2006Full Service Brick and Mortar

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