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This institution is no longer active

Operations ceased on November 2, 2012. CRA examination history below reflects the period it was active.

HERITAGE BANK OF FLORIDA

LUTZ, FL · Supervised by FDIC

Est. 1999FDIC #35,009RSSD: FDIC-35009
Satisfactory

Current rating · Exam: July 2012

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Institution Profile

FDIC BankFind

Address

23000 State Road 54, LUTZ, FL

County

Hillsborough County

Established

August 3, 1999

Total Assets

$225M(latest call report)

Financial Snapshot

As of Q3 2012Call Report / FDIC

Total Assets

$225M

Total Deposits

$223M

Net Loans

$172M

Net Income

$-7,514K

ROA

-4.36%

ROE

-200.57%

Risk-Based Capital

1.46%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

July 1, 2012

Exam Type

Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

2 previous ratings locked — dating back to 2002

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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