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Bristol Bank

Coral Gables, FL · Cert 35045

FDIC

Q2 2006

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 2006, the quarter ended June 30, 2006, 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

Bristol Bank

Coral Gables, FL · Cert 35045

FDIC

Q2 2006

$90.3MAssets
$61.3MLoans
$70.6MDeposits
$9.8MEquity
Loan mix
67%RE $30.3M30%C&I $13.6M3%Consumer $1.2MQ2 2005Q2 2006
Deposit mix
89%Interest-bearing $62.6M11%Noninterest $7.9MQ2 2005Q2 2006

NIM

5.20%Q2 ’045.21%Q2 ’056.29%Q2 ’06-16%+12%

Non-interest income vs. expense

3.48%Q2 ’043.26%Q2 ’053.71%Q2 ’06-6%+24%

Executive Summary

  • Earnings: ROA of -0.73%, down 41 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 86.80% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.73%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+35 bps YoY

Efficiency Ratio (YTD, annualized)

105.06%+849 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets-0.32%-0.20%-0.14%-0.08%-0.73%-41 bps
Return on Equity-3.27%-2.02%-1.40%-0.71%-6.58%-331 bps
Net Interest Margin2.82%2.85%2.86%3.19%3.17%+35 bps
Efficiency Ratio96.57%96.35%98.21%100.24%105.06%+849 bps
Non-Interest Burden2.70%2.72%2.80%3.20%3.35%+65 bps
Growth
Asset Growth (YoY)19.53%22.67%4.58%0.02%7.94%-1,159 bps
Loan Growth (YoY)2.80%2.23%0.60%1.12%9.73%+692 bps
Deposit Growth (YoY)19.87%0.96%-12.39%-17.28%-4.92%-2,479 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.89%0.54%0.18%0.07%0.03%-86 bps
Allowance / Loans1.08%1.07%1.19%1.22%1.21%+13 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 Capital14.72%15.24%15.13%15.24%14.07%-65 bps
Equity / Assets10.88%10.97%11.08%11.17%10.84%-4 bps
Liquidity & Funding
Loans / Deposits75.21%84.35%86.67%88.16%86.80%+1,159 bps
Liquid Assets / Assets24.76%31.34%31.10%30.04%28.74%+399 bps
CRE / Total Capitaln/an/an/an/an/an/an/a