PackageTrendsPeer
Letter portraitLegal landscape

Nature Coast Bank

Crystal River, FL · Cert 57773

FDIC · 2 branches

Q4 2016

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: Q4 2016, the quarter ended December 31, 2016, 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 2026-10-10

Nature Coast Bank

Crystal River, FL · Cert 57773

FDIC · 2 branches

Q4 2016

$55.1MAssets
$39.7MLoans
$47.1MDeposits
$8.1MEquity
Loan mix
84%RE $23.8M13%C&I $3.6M3%Consumer $1.0MQ4 2015Q4 2016
Deposit mix
78%Interest-bearing $36.6M22%Noninterest $10.4MQ4 2015Q4 2016

NIM

4.02%Q4 ’143.76%Q4 ’153.79%Q4 ’16-3%+1%

Non-interest income vs. expense

3.25%Q4 ’142.98%Q4 ’153.37%Q4 ’16-8%+12%

Market Position · Homosassa Springs, FL · 2016 SOD (annual) · 2.4% share · #12 of 12 inst. · $0.1B of $2.2B

Executive Summary

  • Earnings: ROA of 0.37%, down 5 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Capital: tier 1 leverage ratio of 11.80%, up 124 bps from a year ago.
  • Funding: loans stand at 84.35% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.37%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+4 bps YoY

Efficiency Ratio (YTD, annualized)

88.90%+784 bps YoY

Tier 1 Leverage Ratio

11.80%+124 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.43%0.26%0.30%0.26%0.37%-5 bps
Return on Equity3.22%2.14%2.38%2.02%2.83%-39 bps
Net Interest Margin3.58%3.29%3.38%3.50%3.63%+4 bps
Efficiency Ratio81.06%87.04%85.78%88.29%88.90%+784 bps
Non-Interest Burden2.81%2.79%2.83%3.01%3.13%+32 bps
Growth
Asset Growth (YoY)20.52%15.23%2.78%0.21%-14.47%-3,499 bps
Loan Growth (YoY)6.06%5.58%0.25%2.08%-5.13%-1,119 bps
Deposit Growth (YoY)23.46%17.20%2.64%-0.06%-16.83%-4,029 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%-0.06%-0.03%-0.02%0.24%+13 bps
Allowance / Loans2.00%2.04%2.07%2.06%1.75%-25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.56%10.50%11.57%11.68%11.80%+124 bps
Total Risk-Based Capital13.15%14.48%15.97%15.85%15.56%+241 bps
Equity / Assets12.13%12.22%13.16%13.98%14.61%+247 bps
Liquidity & Funding
Loans / Deposits73.94%73.03%77.71%83.16%84.35%+1,041 bps
Liquid Assets / Assets1.92%1.92%1.23%1.30%0.00%-192 bps
CRE / Total Capitaln/an/an/an/an/an/an/a