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Bank of Saint Petersburg

Saint Petersburg, FL · Cert 26280

FDIC · 13 branches

Q4 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: Q4 2014, the quarter ended December 31, 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

Bank of Saint Petersburg

Saint Petersburg, FL · Cert 26280

FDIC · 13 branches

Q4 2014

$565.1MAssets
$319.4MLoans
$409.1MDeposits
$93.9MEquity
Loan mix
89%RE $223.8M10%C&I $24.1M2%Consumer $4.6MQ4 2013Q4 2014
Deposit mix
75%Interest-bearing $308.3M25%Noninterest $100.8MQ4 2013Q4 2014

NIM

4.12%Q4 ’123.64%Q4 ’133.49%Q4 ’14+4%-2%

Non-interest income vs. expense

3.28%Q4 ’123.34%Q4 ’133.06%Q4 ’14+5%-21%

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2014 SOD (annual) · 0.4% share · #23 of 66 inst. · $0.3B of $65.7B

0.4% Pinellas
0.6% Hillsborough
0.1% Duval
0.6% Leon

Executive Summary

  • Earnings: ROA of 7.63%, up 854 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.38%.
  • Funding: loans stand at 78.07% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

7.63%+854 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-6 bps YoY

Efficiency Ratio (YTD, annualized)

92.08%-2,137 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.91%0.81%0.98%0.98%7.63%+854 bps
Return on Equity-11.82%8.21%9.72%9.51%65.66%+7,749 bps
Net Interest Margin3.02%3.07%3.05%3.05%2.96%-6 bps
Efficiency Ratio113.45%100.26%94.15%93.31%92.08%-2,137 bps
Non-Interest Burden3.41%3.08%2.85%2.82%2.69%-72 bps
Growth
Asset Growth (YoY)-12.10%-6.98%-6.27%-4.81%5.35%+1,745 bps
Loan Growth (YoY)-14.03%-10.48%-5.56%-3.48%-5.25%+878 bps
Deposit Growth (YoY)-16.94%-10.00%-10.26%-5.58%-1.35%+1,559 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.40%-0.43%-0.47%-0.42%-0.38%-178 bps
Allowance / Loans2.52%2.49%2.45%2.23%2.13%-39 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 Capital16.89%17.57%18.01%18.65%19.64%+275 bps
Equity / Assets9.58%10.04%10.60%10.92%16.62%+704 bps
Liquidity & Funding
Loans / Deposits81.28%79.81%80.99%81.14%78.07%-321 bps
Liquid Assets / Assets9.15%9.07%8.53%9.31%12.39%+324 bps
CRE / Total Capitaln/an/an/an/an/an/an/a