Presentation for LinkedIn Members

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The Presentation for LinkedIn Members provides a brief history of Florida Capital Bank and its corporate officers, a description of our products and services, and the most current financial fact sheet.

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Presentation for LinkedIn Members

  1. 1. <ul><li>Presentation to: </li></ul><ul><li>LinkedIn Members </li></ul>
  2. 2. <ul><li>Introduction and Statewide Presence </li></ul><ul><li>Central Florida Team </li></ul><ul><li>Value Proposition </li></ul><ul><li>Treasury Services </li></ul><ul><li>Value-added Services </li></ul><ul><li>Q4 2009 Financial Fact Sheet </li></ul>Table of Contents
  3. 3. <ul><li>Florida Capital Bank is one of the fastest growing banks in Florida. </li></ul><ul><ul><li>Founded in 2005 in Jacksonville </li></ul></ul><ul><ul><li>Privately held company with total assets over $800 million </li></ul></ul><ul><ul><li>Banking offices in seven markets across Florida </li></ul></ul><ul><li>We’re not a community bank, but we’re not one of the mega-banks either. </li></ul><ul><ul><li>State-wide, business-focused bank offering all the products and services you would expect from a big bank </li></ul></ul><ul><ul><li>Superior customer service you expect from a community bank </li></ul></ul><ul><ul><li>Experienced banking professionals with the authority to make decisions and the power to react quickly </li></ul></ul><ul><li>The results — more customized banking solutions and significantly faster response times. It’s just a much better banking experience. </li></ul><ul><li>Every bank is out to win your business. At Florida Capital Bank, we intend to keep it. </li></ul>Allow Us To Introduce Ourselves Charles E. Hughes Jr. President and CEO
  4. 4. Location. Location. Location. <ul><li>We’re in your neighborhood. </li></ul><ul><li>Currently operating banking offices and one loan production office in seven markets throughout Florida. </li></ul><ul><ul><li>Northeast Florida Region </li></ul></ul><ul><ul><li>Alachua Region </li></ul></ul><ul><ul><li>Volusia/Flagler Region </li></ul></ul><ul><ul><li>Central Florida Region </li></ul></ul><ul><ul><li>Tampa Region </li></ul></ul><ul><ul><li>Pinellas/Pasco Region </li></ul></ul><ul><ul><li>South Florida Region </li></ul></ul>
  5. 5. Meet Your Central Florida team Charles “Chuck” Owston EVP/Chief Operating Officer — Florida Capital Bank, N.A. President and CEO — Florida Capital Bank of Central Florida Over 25 years in banking, including 20 years with Wachovia and five years with SunTrust. Mr. Owston served in various leadership and business development roles. Arlene Kaplan Vice President and Branch Manager — Winter Park Ms. Kaplan has 33 years of banking experience with Wachovia Bank. During her banking career, she has served in personal banking and branch banking roles. Katie Nagel Treasury Generalist & Operations Manager — Orlando & Winter Park Over 10 years of banking experience, all within the Central Florida market. Ms. Nagel previously served in personal banking and branch management & operational oversight roles. Peter Allport Senior Vice President and Market Executive Over 20 years of banking experience with Wachovia Bank, all within the Central Florida market. He has held positions working in the business banking and commercial banking markets in business development and leadership roles. Ralph Betancourt Senior Vice President and Commercial Banking Executive Over 20 years of banking experience, all within the Central Florida market. Previously with Wachovia Bank, he worked in both the small business market, as well as with large companies in the middle market segment. Lesli Marchbanks Vice President and Commercial Client Manager Over 13 years of banking experience, all within the Central Florida market. Previously with Wachovia Bank, Lesli served in both business and retail banking roles. Pam Stevens Vice President and Credit Products Officer Over 15 years of banking experience with SunTrust Bank and Fifth-Third Bank. Her banking career has all been within the Central Florida region and includes experience in the commercial and private banking markets and the credit and underwriting of commercial loans.
  6. 6. Our Most Valuable Asset Is… <ul><li>Experience </li></ul><ul><li>Average 15+ years </li></ul><ul><li>High-level consultative support available to all market segments </li></ul><ul><li>Accessibility </li></ul><ul><li>Available at all times with personal cell phone numbers and e-mail </li></ul><ul><li>No call centers or voicemail mazes </li></ul><ul><li>Customer Service </li></ul><ul><li>Local client service </li></ul><ul><li>Local support functions </li></ul><ul><li>Local Decisions </li></ul><ul><li>Credit approval without committees </li></ul><ul><li>Financials are not sent out-of-state for underwriting </li></ul><ul><li>Relationship Focus </li></ul><ul><li>Credit structure tailored to your needs </li></ul><ul><li>Loan pricing based on the entire banking relationship </li></ul><ul><li>Streamlined costs of general banking services </li></ul><ul><li>Technology </li></ul><ul><li>A newer bank means the latest technology delivered at lower cost </li></ul><ul><li>Statewide Presence </li></ul><ul><li>Seven markets in Florida </li></ul><ul><li>Convenience — office ATMs and Presto network (650 locations statewide) </li></ul>… value to our clients
  7. 7. Treasury Services You will value our treasury management capabilities.
  8. 8. Value-Added Services
  9. 9. 2009 Year End Financial Fact Sheet <ul><li>As of December 31, 2009, total assets ended at $963 million, increasing $2.8 million, or .3%, compared to </li></ul><ul><li>prior year-end. </li></ul><ul><li>Risk weighted assets declined $123.3 million, or 16%, during 2009 as the Bank executed several de-levering initiatives. </li></ul><ul><li>Total gross loans ended at $658.2 million, down $111.5, or 14.5%, compared to prior year-end. Portfolio loans, </li></ul><ul><li>excluding loans held for sale, ended at $569.8 million, declining $109.4 million, or 16.1%, during the year. </li></ul><ul><li>Total deposits ended at $870.4 million, up $13.2 million, or 1.5%, from prior year-end. Retail deposits, </li></ul><ul><li>excluding brokered CDs, grew $129.2 million, or 22.7%, during the year. </li></ul><ul><li>Liquidity remains strong with retail deposits outgrowing portfolio loans by $239 million during the year. The </li></ul><ul><li>core loan to deposit ratio, excluding held-for-sale loans and brokered CDs, declined to an all-time low of </li></ul><ul><li>82% at year-end. </li></ul><ul><li>The company remains “well capitalized” under regulatory guidelines with total capital to risk-weighted assets </li></ul><ul><li>ending the year at 11.03%, up from 10.5% from prior year. Tier 1 capital ended at 6.4%, down from 7.6% </li></ul><ul><li>at prior year-end. The Company completed a preferred stock offering of $2.7 million during the 2nd quarter </li></ul><ul><li>of 2009 to existing shareholders. </li></ul><ul><li>Asset quality showed continued signs of stabilizing during the 4th quarter. Non-performing loan (NPL) and </li></ul><ul><li>non-performing assets balances declined in the 4th quarter and early cycle delinquency (30-89 days) </li></ul><ul><li>ended the year at 1.44% of loans, down from 2.67% at prior year-end. </li></ul><ul><li>Earnings before taxes and provision, totaled $2.4 million in 2009, representing a $6.5 million improvement </li></ul><ul><li>over prior year excluding one-time charges. </li></ul><ul><li>Net revenue, total revenue less interest expense, in 2009 totaled $46.4 million, $15.2 million, or 48.7%, above </li></ul><ul><li>prior year. Non-interest income increased $19.3 million, or 211%, to $28.5 million in 2009 versus prior year. </li></ul>

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