PackageTrendsPeer
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Coast Bank of Florida

Bradenton, FL · Cert 35397

FDIC

Q3 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: Q3 2007, the quarter ended September 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

Coast Bank of Florida

Bradenton, FL · Cert 35397

FDIC

Q3 2007

$664.4MAssets
$564.9MLoans
$632.4MDeposits
$22.7MEquity
Loan mix
98%RE $520.4M2%C&I $11.3M0%Consumer $0.1MQ3 2006Q3 2007
Deposit mix
97%Interest-bearing $612.2M3%Noninterest $20.2MQ3 2006Q3 2007

NIM

5.10%Q3 ’055.74%Q3 ’066.30%Q3 ’07-4%-43%

Non-interest income vs. expense

2.98%Q3 ’053.58%Q3 ’063.66%Q3 ’07+31%+4%

Executive Summary

  • Earnings: ROA of -6.07%, down 553 bps year over year; NIM at 1.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.61%.
  • Funding: loans stand at 89.32% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-6.07%-553 bps YoY

Net Interest Margin (YTD, annualized)

1.47%-110 bps YoY

Efficiency Ratio (YTD, annualized)

206%+8,300 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-0.54%-2.74%-1.09%-5.23%-6.07%-553 bps
Return on Equity-7.13%-38.10%-17.69%-91.05%-116.18%-10,905 bps
Net Interest Margin2.57%2.37%1.95%1.53%1.47%-110 bps
Efficiency Ratio122.80%125.37%143.86%179.73%206%+8,300 bps
Non-Interest Burden3.24%3.06%2.94%2.98%3.35%+12 bps
Growth
Asset Growth (YoY)39.96%30.79%43.36%18.77%-1.71%-4,166 bps
Loan Growth (YoY)44.90%49.31%37.92%20.42%5.56%-3,935 bps
Deposit Growth (YoY)42.34%29.20%46.23%24.28%7.56%-3,479 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.21%0.42%0.61%+62 bps
Allowance / Loans0.70%4.37%4.52%4.59%6.16%+546 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 Capital11.50%6.08%8.07%7.46%5.56%-593 bps
Equity / Assets7.59%5.83%6.48%4.85%3.41%-417 bps
Liquidity & Funding
Loans / Deposits91.01%94.95%79.92%85.27%89.32%-169 bps
Liquid Assets / Assets0.10%0.06%0.00%1.45%0.06%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a