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People's Community Bank of the West Coast

Sarasota, FL · Cert 35144

FDIC

Q2 2007

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 2007, the quarter ended June 30, 2007, 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

People's Community Bank of the West Coast

Sarasota, FL · Cert 35144

FDIC

Q2 2007

$324.0MAssets
$257.9MLoans
$239.0MDeposits
$31.0MEquity
Loan mix
81%RE $82.1M19%C&I $18.8M0%Consumer $0.0MQ2 2006Q2 2007
Deposit mix
85%Interest-bearing $203.8M15%Noninterest $35.2MQ2 2006Q2 2007

NIM

5.46%Q2 ’056.49%Q2 ’066.91%Q2 ’07+7%-11%

Non-interest income vs. expense

2.12%Q2 ’051.74%Q2 ’061.64%Q2 ’07-25%-1%

Executive Summary

  • Earnings: ROA of 1.41%, down 4 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 107.88% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

1.41%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-39 bps YoY

Efficiency Ratio (YTD, annualized)

44.28%+262 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.45%1.43%1.46%1.26%1.41%-4 bps
Return on Equity16.20%15.99%16.15%13.60%15.04%-116 bps
Net Interest Margin3.75%3.60%3.37%3.26%3.36%-39 bps
Efficiency Ratio41.66%41.33%42.89%45.14%44.28%+262 bps
Non-Interest Burden1.31%1.25%1.23%1.28%1.30%-2 bps
Growth
Asset Growth (YoY)17.42%20.67%24.48%10.18%8.59%-883 bps
Loan Growth (YoY)19.95%17.61%14.41%8.97%5.10%-1,485 bps
Deposit Growth (YoY)10.90%20.45%23.97%11.80%4.12%-678 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.17%1.17%1.21%1.17%1.10%-6 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 Capital10.74%11.30%12.02%11.30%11.87%+113 bps
Equity / Assets8.80%8.87%9.39%9.17%9.58%+78 bps
Liquidity & Funding
Loans / Deposits106.87%98.46%100.61%102.76%107.88%+100 bps
Liquid Assets / Assets2.98%3.55%5.74%5.48%5.59%+260 bps
CRE / Total Capitaln/an/an/an/an/an/an/a