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Coastal Bank, The

Savannah, GA · Cert 20134

FDIC · 7 branches

Q2 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Coastal Bank, The

Savannah, GA · Cert 20134

FDIC · 7 branches

Q2 2014

$435.7MAssets
$303.4MLoans
$369.0MDeposits
$44.0MEquity
Loan mix
89%RE $200.3M10%C&I $21.6M1%Consumer $2.0MQ2 2013Q2 2014
Deposit mix
78%Interest-bearing $289.0M22%Noninterest $80.0MQ2 2013Q2 2014

NIM

4.12%Q2 ’123.85%Q2 ’134.18%Q2 ’14-1%+16%

Non-interest income vs. expense

3.76%Q2 ’124.01%Q2 ’136.54%Q2 ’14-28%+130%

Market Position · Savannah, GA · 2014 SOD (annual) · 5.3% share · #7 of 24 inst. · $0.3B of $5.7B

5.2% Chatham
16.5% Liberty
10.9% Effingham

Executive Summary

  • Earnings: ROA of -0.87%, down 137 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 82.22% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.87%-137 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+54 bps YoY

Efficiency Ratio (YTD, annualized)

131.35%+5,119 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.50%0.34%0.32%0.65%-0.87%-137 bps
Return on Equity4.86%3.26%3.09%6.20%-8.33%-1,320 bps
Net Interest Margin3.32%3.46%3.53%3.91%3.86%+54 bps
Efficiency Ratio80.16%82.40%84.23%80.92%131.35%+5,119 bps
Non-Interest Burden2.37%2.64%2.80%2.99%5.45%+308 bps
Growth
Asset Growth (YoY)-6.58%-3.51%-0.64%-3.77%2.85%+942 bps
Loan Growth (YoY)-1.05%3.34%3.27%5.71%5.09%+614 bps
Deposit Growth (YoY)-3.71%-3.35%-0.74%-2.14%-0.59%+312 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.57%0.74%0.65%-0.33%0.02%-55 bps
Allowance / Loans1.18%1.12%1.10%1.18%1.06%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.59%13.46%13.48%14.19%12.75%-84 bps
Equity / Assets10.49%10.38%10.29%10.79%10.09%-40 bps
Liquidity & Funding
Loans / Deposits77.77%82.01%81.05%81.22%82.22%+445 bps
Liquid Assets / Assets2.96%3.34%5.07%4.26%3.65%+69 bps
CRE / Total Capitaln/an/an/an/an/an/an/a