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Coast Community Bank

Biloxi, MS · Cert 34121

FDIC · 15 branches

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Coast Community Bank

Biloxi, MS · Cert 34121

FDIC · 15 branches

Q4 2017

$839.6MAssets
$653.1MLoans
$750.6MDeposits
$83.0MEquity
Loan mix
86%RE $477.6M8%C&I $46.8M5%Consumer $28.3MQ4 2016Q4 2017
Deposit mix
93%Interest-bearing $695.9M7%Noninterest $54.7MQ4 2016Q4 2017

NIM

3.87%Q4 ’153.96%Q4 ’164.06%Q4 ’17+4%+2%

Non-interest income vs. expense

2.74%Q4 ’152.78%Q4 ’162.68%Q4 ’17-1%-1%

Market Position · Gulfport-Biloxi-Pascagoula, MS · 2017 SOD (annual) · 6.0% share · #6 of 15 inst. · $0.3B of $5.6B

6.8% Harrison
6.3% Jackson
7.8% Walton
1.2% Mobile

Executive Summary

  • Earnings: ROA of 0.63%, down 6 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.32% of loans (+32 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 8.43%, up 1 bps from a year ago.
  • Funding: loans stand at 87.00% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.63%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+6 bps YoY

Efficiency Ratio (YTD, annualized)

66.37%-230 bps YoY

Tier 1 Leverage Ratio

8.43%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.69%0.70%0.72%0.75%0.63%-6 bps
Return on Equity6.97%7.27%7.54%7.82%6.56%-41 bps
Net Interest Margin3.55%3.45%3.47%3.52%3.61%+6 bps
Efficiency Ratio68.68%68.11%66.77%66.71%66.37%-230 bps
Non-Interest Burden2.24%2.16%2.12%2.16%2.21%-3 bps
Growth
Asset Growth (YoY)5.22%8.78%11.85%11.97%7.96%+274 bps
Loan Growth (YoY)6.29%9.23%13.29%12.66%12.70%+641 bps
Deposit Growth (YoY)4.93%8.78%13.08%13.06%8.65%+372 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.35%0.90%0.49%0.32%+32 bps
Net Charge-Offs / Loans0.20%-0.07%0.24%0.28%0.21%+2 bps
Allowance / Loans1.08%1.12%1.01%0.96%1.00%-8 bps
Allowance Coverage of NPLsn/a0.8x1.1x2.0x3.1xn/a
Capital
Tier 1 Leverage Ratio8.42%8.03%8.08%8.23%8.43%+1 bps
Total Risk-Based Capital12.62%12.63%12.56%12.61%12.62%0 bps
Equity / Assets9.81%9.41%9.43%9.80%9.88%+8 bps
Liquidity & Funding
Loans / Deposits83.88%80.69%82.34%85.31%87.00%+313 bps
Liquid Assets / Assets6.16%8.61%6.43%4.42%2.08%-408 bps
CRE / Total Capitaln/an/an/an/an/an/an/a