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Royal Palm Bank of Florida, The

Naples, FL · Cert 57096

FDIC

Q2 2012

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 2012, the quarter ended June 30, 2012, 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

Royal Palm Bank of Florida, The

Naples, FL · Cert 57096

FDIC

Q2 2012

$78.8MAssets
$54.1MLoans
$78.9MDeposits
$-916KEquity
Loan mix
96%RE $38.3M4%C&I $1.5M0%Consumer $0.1MQ2 2011Q2 2012
Deposit mix
80%Interest-bearing $63.0M20%Noninterest $15.9MQ2 2011Q2 2012

NIM

3.78%Q2 ’103.89%Q2 ’113.60%Q2 ’12+18%+11%

Non-interest income vs. expense

4.49%Q2 ’105.22%Q2 ’115.90%Q2 ’12+27%+40%

Executive Summary

  • Earnings: ROA of -7.07%, down 341 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.42%.
  • Funding: loans stand at 68.60% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-7.07%-341 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+30 bps YoY

Efficiency Ratio (YTD, annualized)

670%+42,951 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-3.65%-3.38%-2.69%-3.99%-7.07%-341 bps
Return on Equity-136.51%-130.67%-105.77%-213%-757%-62,068 bps
Net Interest Margin2.60%2.75%2.79%2.78%2.89%+30 bps
Efficiency Ratio241%223%193.08%204%670%+42,951 bps
Non-Interest Burden5.65%5.73%5.46%5.43%7.91%+227 bps
Growth
Asset Growth (YoY)-18.93%-23.99%-23.64%-22.56%-26.88%-795 bps
Loan Growth (YoY)-25.97%-33.05%-28.57%-25.63%-24.37%+160 bps
Deposit Growth (YoY)-13.78%-19.99%-23.30%-21.26%-24.08%-1,030 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.37%8.98%7.13%3.44%3.42%-295 bps
Allowance / Loans9.63%7.98%7.99%8.06%8.98%-65 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 Capital5.22%4.66%4.67%3.35%-1.79%-701 bps
Equity / Assets2.66%2.27%2.34%1.39%-1.16%-383 bps
Liquidity & Funding
Loans / Deposits68.87%68.17%69.85%67.72%68.60%-27 bps
Liquid Assets / Assets11.30%16.58%12.24%17.21%10.91%-40 bps
CRE / Total Capitaln/an/an/an/an/an/an/a