PackageTrendsPeer
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First Bradenton Bank

Bradenton, FL · Cert 34537

FDIC

Q3 2004

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: Q3 2004, the quarter ended September 30, 2004, 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 Bradenton Bank

Bradenton, FL · Cert 34537

FDIC

Q3 2004

$65.7MAssets
$50.2MLoans
$60.2MDeposits
$5.3MEquity
Loan mix
88%RE $18.2M11%C&I $2.4M1%Consumer $0.2MQ4 2002Q3 2004
Deposit mix
84%Interest-bearing $50.6M16%Noninterest $9.6MQ4 2002Q3 2004

Executive Summary

  • Earnings: ROA of 0.88%, up 4 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 83.44% of deposits as of Q3 2004.

Return on Assets (YTD, annualized)

0.88%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.23%

Efficiency Ratio (YTD, annualized)

68.80%

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.36%Q4 ’035.16%Q2 ’045.25%Q3 ’04-2%+2%

Non-interest income vs. expense

2.50%Q4 ’032.24%Q2 ’042.36%Q3 ’04-16%+8%

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.58%0.81%0.82%0.84%0.84%1.02%0.96%0.88%+4 bps
Return on Equityn/an/an/an/an/a12.05%11.77%10.80%n/a
Net Interest Marginn/an/an/an/a3.23%3.22%3.16%3.23%n/a
Efficiency Ration/an/an/an/a74.36%64.91%65.79%68.80%n/a
Non-Interest Burdenn/an/an/an/a2.37%1.97%2.00%2.16%n/a
Growth
Asset Growth (YoY)21.39%13.90%13.44%10.82%14.09%23.55%30.19%32.62%+2,180 bps
Loan Growth (YoY)21.31%19.49%10.96%15.78%22.55%41.01%44.07%33.52%+1,774 bps
Deposit Growth (YoY)23.78%15.04%14.65%11.66%15.29%25.38%32.83%34.96%+2,330 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%0.00%0.00%0.00%n/a
Allowance / Loansn/an/an/an/a0.50%0.50%0.58%0.62%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a12.52%10.29%10.62%11.05%n/a
Equity / Assetsn/an/an/an/a8.98%7.99%7.72%8.03%n/a
Liquidity & Funding
Loans / Deposits80.83%79.59%78.00%84.34%85.92%89.51%84.60%83.44%-90 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.20%0.19%0.20%0.20%+20 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a