PackageTrendsPeer
Letter portraitLegal landscape

First Community Bank of Southwest Florida

Fort Myers, FL · Cert 34943

FDIC

Q2 2013

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 2013, the quarter ended June 30, 2013, 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 Community Bank of Southwest Florida

Fort Myers, FL · Cert 34943

FDIC

Q2 2013

$247.3MAssets
$179.4MLoans
$243.6MDeposits
$-1527KEquity
Loan mix
88%RE $98.8M11%C&I $12.2M1%Consumer $1.1MQ2 2012Q2 2013
Deposit mix
83%Interest-bearing $202.4M17%Noninterest $41.2MQ2 2012Q2 2013

NIM

4.16%Q2 ’113.71%Q2 ’123.31%Q2 ’13+4%-7%

Non-interest income vs. expense

3.32%Q2 ’113.69%Q2 ’123.53%Q2 ’13-15%+58%

Executive Summary

  • Earnings: ROA of -6.99%, down 612 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.69%.
  • Funding: loans stand at 73.64% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-6.99%-612 bps YoY

Net Interest Margin (YTD, annualized)

2.40%-17 bps YoY

Efficiency Ratio (YTD, annualized)

315%+19,985 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.87%-0.62%-0.63%-5.31%-6.99%-612 bps
Return on Equity-25.91%-18.70%-19.09%-214%-468%-44,227 bps
Net Interest Margin2.57%2.61%2.64%2.12%2.40%-17 bps
Efficiency Ratio115.18%106.55%108.43%152.66%315%+19,985 bps
Non-Interest Burden3.05%2.84%2.93%3.36%4.81%+176 bps
Growth
Asset Growth (YoY)-7.48%-7.25%-9.39%-8.51%-9.86%-237 bps
Loan Growth (YoY)-13.34%-13.60%-9.07%-5.39%-2.79%+1,055 bps
Deposit Growth (YoY)-6.45%-6.40%-8.50%-7.16%-5.68%+77 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.67%1.67%1.42%2.28%1.69%+102 bps
Allowance / Loans3.53%2.90%2.69%3.48%4.92%+139 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 Capital5.45%5.43%5.26%3.56%-0.31%-576 bps
Equity / Assets3.23%3.20%3.25%1.73%-0.62%-385 bps
Liquidity & Funding
Loans / Deposits71.46%68.93%74.79%72.32%73.64%+218 bps
Liquid Assets / Assets7.13%9.57%3.99%6.64%4.63%-250 bps
CRE / Total Capitaln/an/an/an/an/an/an/a