PackageTrendsPeer
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Republic Security Bank

West Palm Beach, FL · Cert 32254

FDIC

Q2 2001

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 2001, the quarter ended June 30, 2001, 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

Republic Security Bank

West Palm Beach, FL · Cert 32254

FDIC

Q2 2001

$2.6BAssets
$1.9BLoans
$1.9BDeposits
$452.9MEquity
Deposit mix
82%Interest-bearing $1.6B18%Noninterest $0.4BQ2 2000Q2 2001

NIM

2.22%Q1 ’014.37%Q2 ’01+119%

Non-interest income vs. expense

1.02%Q1 ’012.26%Q2 ’01+116%

Executive Summary

  • Earnings: ROA of 0.35%, down 48 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.43%.
  • Funding: loans stand at 97.55% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.35%-48 bps YoY

Net Interest Margin (YTD, annualized)

1.99%

Efficiency Ratio (YTD, annualized)

80.93%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.83%0.75%0.72%0.22%0.35%-48 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a0.91%1.99%n/a
Efficiency Ration/an/an/a81.41%80.93%n/a
Non-Interest Burdenn/an/an/a0.68%1.46%n/a
Growth
Asset Growth (YoY)9.79%11.41%-1.93%-11.96%-21.74%-3,153 bps
Loan Growth (YoY)9.71%9.75%8.33%4.56%-6.53%-1,624 bps
Deposit Growth (YoY)-12.29%-6.05%-0.79%-0.79%-2.37%+992 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.13%0.43%n/a
Allowance / Loansn/an/an/a1.25%1.21%n/a
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 Capitaln/an/an/a11.16%12.27%n/a
Equity / Assetsn/an/an/a15.81%17.16%n/a
Liquidity & Funding
Loans / Deposits101.89%99.59%98.44%98.80%97.55%-434 bps
Liquid Assets / Assets0.00%0.00%0.00%0.52%0.66%+66 bps
CRE / Total Capitaln/an/an/an/an/an/an/a