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CIBC National Bank

Maitland, FL · Cert 35263

FDIC

Q2 2003

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 2003, the quarter ended June 30, 2003, 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

CIBC National Bank

Maitland, FL · Cert 35263

FDIC

Q2 2003

$155.6MAssets
n/aLoans
$433KDeposits
$120.1MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $433KQ2 2002Q2 2003

NIM

5.13%Q2 ’013.43%Q2 ’021.44%Q2 ’03-56%-57%

Non-interest income vs. expense

19.22%Q2 ’0113.35%Q2 ’021.69%Q2 ’03-27%-95%

Executive Summary

  • Earnings: ROA of 0.00%, up 743 bps year over year; NIM at 0.71%.
  • Funding: loans stand at 0.00% of deposits as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

0.00%+743 bps YoY

Net Interest Margin (YTD, annualized)

0.71%-94 bps YoY

Efficiency Ratio (YTD, annualized)

100.00%-75,256 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets-7.43%-7.11%-17.27%0.00%0.00%+743 bps
Return on Equity-19.99%-19.73%-46.05%0.00%0.00%+1,999 bps
Net Interest Margin1.66%1.63%2.30%0.17%0.71%-94 bps
Efficiency Ratio853%776%1654%100.00%100.00%-75,256 bps
Non-Interest Burden13.46%11.46%37.59%0.17%0.71%-1,275 bps
Growth
Asset Growth (YoY)63.90%38.04%-45.74%-74.98%-79.15%-14,305 bps
Loan Growth (YoY)261%30.87%-53.86%-68.91%-100.00%-36,104 bps
Deposit Growth (YoY)193.99%112.67%-52.92%-99.68%-99.92%-29,390 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loans0.30%0.25%0.43%0.00%0.00%-30 bps
Allowance / Loans0.50%0.56%1.18%0.00%n/an/a
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 Capital85.32%90.02%96.73%130.89%107.18%+2,185 bps
Equity / Assets30.08%32.59%50.30%96.64%77.19%+4,711 bps
Liquidity & Funding
Loans / Deposits29.42%33.85%53.22%3538%0.00%-2,942 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a