CNLBank

CNLBank is headquartered in Orlando and is the 19^st largest bank in the state of Florida. It is also the 482^nd largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 173 employees at 16 locations. CNLBank has a 2-star health rating.

Data for Q1 2012

Institution Statistics CNLBank FDIC Certificate # 34427 BankRate Report View Year Established 1997 Employees 173 Primary Regulator FDIC Assets and Liabilities Assets $1.37 billion Loans $846.36 million Deposits $1.15 billion Equity Capital $113.44 million Loan Loss Allowance $18.84 million Unbacked Noncurrent Loans $60.00 million Real Estate Owned $41.24 million Historic Data - March 2011 Assets $1.46 billion Equity Capital $115.93 million Loan Loss Allowance $28.87 million Unbacked Noncurrent Loans $48.23 million Real Estate Owned $46.78 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 0.45% Return on Equity 5.48% Interest Income $13.96 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 CNLBank had $101.23 million in non-current loans and owned real-estate with $132.28 million in equity and loan loss allowances on hand to cover it. This gives CNLBank a Texas Ratio of 76.53% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for CNLBank increased slightly from 65.62% as of March 31, 2011 to 76.53% as of March 31, 2012, resulting in a negative change of 16.63%. This indicates that the balance sheet and financial strength for CNLBank has declined slightly in recent periods. Deposit Growth In the past year, CNLBank has decreased its total deposits by -$77.53 million, resulting in -6.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CNLBank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CNLBank has $1.37 billion in assets with $132.28 million in equity, resulting in a capitalization level of 9.63%, which is average.

No reviews have been left for this bank yet. Be the first to review.