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Florida Traditions Bank

Dade City, FL · Cert 58682

FDIC · 8 branches

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Florida Traditions Bank

Dade City, FL · Cert 58682

FDIC · 8 branches

Q2 2014

$307.3MAssets
$255.6MLoans
$272.6MDeposits
$30.4MEquity
Loan mix
76%RE $158.8M23%C&I $47.7M1%Consumer $2.2MQ2 2013Q2 2014
Deposit mix
80%Interest-bearing $217.9M20%Noninterest $54.7MQ2 2013Q2 2014

NIM

4.39%Q2 ’124.26%Q2 ’134.44%Q2 ’14-1%+8%

Non-interest income vs. expense

2.88%Q2 ’123.25%Q2 ’133.12%Q2 ’14-15%+2%

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2014 SOD (annual) · 0.3% share · #29 of 66 inst. · $0.2B of $65.7B

2.9% Pasco
0.8% Polk
1.8% Hernando
1.3% Osceola

Executive Summary

  • Earnings: ROA of 1.25%, up 23 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Funding: loans stand at 93.76% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

1.25%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+28 bps YoY

Efficiency Ratio (YTD, annualized)

61.65%-403 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets1.02%0.91%0.92%1.26%1.25%+23 bps
Return on Equity8.14%7.30%7.78%13.27%12.96%+481 bps
Net Interest Margin3.52%3.50%3.56%3.82%3.80%+28 bps
Efficiency Ratio65.68%67.71%66.03%62.85%61.65%-403 bps
Non-Interest Burden1.82%2.00%1.94%1.84%1.86%+4 bps
Growth
Asset Growth (YoY)13.02%15.15%7.03%11.20%7.04%-598 bps
Loan Growth (YoY)18.71%13.54%21.37%21.26%16.33%-237 bps
Deposit Growth (YoY)13.81%16.59%10.69%14.95%10.37%-344 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.24%+23 bps
Allowance / Loans2.01%1.97%1.98%1.94%1.77%-23 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 Capital14.63%14.24%10.91%11.27%11.03%-360 bps
Equity / Assets12.53%12.31%9.60%9.41%9.88%-265 bps
Liquidity & Funding
Loans / Deposits88.95%88.38%92.99%89.58%93.76%+481 bps
Liquid Assets / Assets10.25%10.32%3.00%8.00%3.49%-676 bps
CRE / Total Capitaln/an/an/an/an/an/an/a