PackageTrendsPeer
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First Commercial Bank of Tampa

Tampa, FL · Cert 27583

FDIC

Q1 2011

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: Q1 2011, the quarter ended March 31, 2011, 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

First Commercial Bank of Tampa

Tampa, FL · Cert 27583

FDIC

Q1 2011

$98.6MAssets
$72.2MLoans
$92.6MDeposits
$1.5MEquity
Loan mix
88%RE $45.3M11%C&I $5.8M1%Consumer $0.7MQ1 2010Q1 2011
Deposit mix
91%Interest-bearing $84.0M9%Noninterest $8.7MQ1 2010Q1 2011

NIM

4.54%Q1 ’094.31%Q1 ’103.89%Q1 ’11+25%-4%

Non-interest income vs. expense

2.98%Q1 ’093.57%Q1 ’105.65%Q1 ’11+29%+52%

Executive Summary

  • Earnings: ROA of -2.09%, up 214 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.16%.
  • Funding: loans stand at 77.96% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.09%+214 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-10 bps YoY

Efficiency Ratio (YTD, annualized)

220%+7,434 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets-4.22%-5.20%-11.05%-2.64%-2.09%+214 bps
Return on Equity-65.34%-71.19%-168.92%-45.21%-104.24%-3,891 bps
Net Interest Margin2.48%2.48%2.70%2.75%2.38%-10 bps
Efficiency Ratio145.85%144.30%143.80%128.74%220%+7,434 bps
Non-Interest Burden3.60%3.62%3.94%3.80%5.46%+186 bps
Growth
Asset Growth (YoY)-14.53%-28.98%-26.99%-22.57%-26.66%-1,213 bps
Loan Growth (YoY)-17.87%-21.48%-20.24%-20.49%-19.64%-177 bps
Deposit Growth (YoY)-9.10%-29.34%-23.50%-16.37%-16.41%-731 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.79%1.33%5.02%7.24%3.16%+236 bps
Allowance / Loans3.56%6.39%7.55%6.08%5.42%+186 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 Capital12.64%9.15%5.96%3.98%3.35%-929 bps
Equity / Assets9.38%9.11%3.86%2.43%1.55%-783 bps
Liquidity & Funding
Loans / Deposits81.09%84.91%85.04%77.18%77.96%-313 bps
Liquid Assets / Assets5.21%3.09%12.14%11.24%16.94%+1,173 bps
CRE / Total Capitaln/an/an/an/an/an/an/a