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Preferred Community Bank

Fort Myers, FL · Cert 58262

FDIC · 3 branches

Q2 2018

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 2018, the quarter ended June 30, 2018, 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

Preferred Community Bank

Fort Myers, FL · Cert 58262

FDIC · 3 branches

Q2 2018

$115.9MAssets
$83.8MLoans
$102.0MDeposits
$13.8MEquity
Loan mix
98%RE $69.3M2%C&I $1.3M0%Consumer $0.0MQ2 2017Q2 2018
Deposit mix
65%Interest-bearing $66.0M35%Noninterest $35.9MQ2 2017Q2 2018

NIM

3.50%Q2 ’163.40%Q2 ’174.01%Q2 ’18-3%+18%

Non-interest income vs. expense

3.02%Q2 ’162.90%Q2 ’173.20%Q2 ’18+446%+8%

Market Position · Cape Coral-Fort Myers, FL · 2018 SOD (annual) · 0.6% share · #23 of 34 inst. · $0.1B of $15.8B

Executive Summary

  • Earnings: ROA of 0.95%, up 41 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.41%, up 143 bps from a year ago.
  • Funding: loans stand at 82.21% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.95%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+57 bps YoY

Efficiency Ratio (YTD, annualized)

70.69%-522 bps YoY

Tier 1 Leverage Ratio

12.41%+143 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.54%0.53%0.37%0.71%0.95%+41 bps
Return on Equity4.79%4.68%3.21%6.25%8.27%+348 bps
Net Interest Margin3.08%3.12%3.23%3.52%3.64%+57 bps
Efficiency Ratio75.91%76.41%75.78%78.79%70.69%-522 bps
Non-Interest Burden2.16%2.23%2.29%2.65%2.34%+17 bps
Growth
Asset Growth (YoY)4.46%9.78%3.62%1.56%-0.17%-463 bps
Loan Growth (YoY)0.47%4.14%7.21%10.79%7.63%+717 bps
Deposit Growth (YoY)0.91%7.04%2.62%5.96%4.44%+353 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%+2 bps
Allowance / Loans1.29%1.26%1.25%1.16%1.18%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.98%11.18%11.59%11.77%12.41%+143 bps
Total Risk-Based Capital20.99%20.99%20.92%20.89%21.40%+41 bps
Equity / Assets11.48%11.49%11.39%11.32%11.92%+44 bps
Liquidity & Funding
Loans / Deposits79.77%82.38%81.29%80.21%82.21%+244 bps
Liquid Assets / Assets6.26%4.22%3.45%6.38%6.59%+32 bps
CRE / Total Capitaln/an/an/an/an/an/an/a