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Gulfsouth Private Bank

Destin, FL · Cert 58073

FDIC

Q3 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: Q3 2012, the quarter ended September 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

Gulfsouth Private Bank

Destin, FL · Cert 58073

FDIC

Q3 2012

$139.4MAssets
$104.1MLoans
$131.6MDeposits
$2.4MEquity
Loan mix
91%RE $82.5M5%C&I $4.2M4%Consumer $3.9MQ3 2011Q3 2012
Deposit mix
91%Interest-bearing $119.3M9%Noninterest $12.3MQ3 2011Q3 2012

NIM

3.99%Q3 ’104.12%Q3 ’113.72%Q3 ’12+29%-2%

Non-interest income vs. expense

2.28%Q3 ’102.72%Q3 ’113.64%Q3 ’12+15%+37%

Executive Summary

  • Earnings: ROA of -4.30%, down 390 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.73%.
  • Funding: loans stand at 79.11% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-4.30%-390 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-4 bps YoY

Efficiency Ratio (YTD, annualized)

133.21%+3,538 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.40%-4.67%-1.11%-5.96%-4.30%-390 bps
Return on Equity-4.68%-60.12%-25.21%-168.40%-136.23%-13,154 bps
Net Interest Margin2.60%2.64%2.34%2.35%2.56%-4 bps
Efficiency Ratio97.84%117.79%120.93%132.52%133.21%+3,538 bps
Non-Interest Burden2.54%3.05%2.88%3.17%3.46%+93 bps
Growth
Asset Growth (YoY)-8.30%-11.27%-12.15%-15.02%-23.12%-1,483 bps
Loan Growth (YoY)-13.38%-12.60%-16.91%-15.78%-21.84%-846 bps
Deposit Growth (YoY)-7.76%-7.82%-8.67%-8.91%-17.77%-1,001 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.58%2.29%8.63%4.01%4.73%+315 bps
Allowance / Loans3.78%5.15%3.76%7.74%7.49%+371 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 Capital10.75%7.52%7.31%3.93%3.84%-691 bps
Equity / Assets8.83%4.55%4.29%1.63%1.74%-709 bps
Liquidity & Funding
Loans / Deposits83.24%83.08%74.95%77.99%79.11%-413 bps
Liquid Assets / Assets13.91%12.69%17.06%15.68%9.57%-434 bps
CRE / Total Capitaln/an/an/an/an/an/an/a