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New Traditions National Bank

Maitland, FL · Cert 58822

FDIC · 3 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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

New Traditions National Bank

Maitland, FL · Cert 58822

FDIC · 3 branches

Q1 2015

$529.9MAssets
$350.4MLoans
$469.2MDeposits
$58.8MEquity
Loan mix
75%RE $193.8M24%C&I $61.1M1%Consumer $3.1MQ1 2014Q1 2015
Deposit mix
68%Interest-bearing $319.9M32%Noninterest $149.3MQ1 2014Q1 2015

NIM

2.89%Q1 ’133.26%Q1 ’143.60%Q1 ’15+22%+13%

Non-interest income vs. expense

1.54%Q1 ’131.67%Q1 ’144.53%Q1 ’15+11%+187%

Market Position · Orlando-Kissimmee-Sanford, FL · 2014 SOD (annual) · 1.1% share · #13 of 45 inst. · $0.5B of $40.8B

1.5% Orange
0.8% Seminole

Executive Summary

  • Earnings: ROA of -0.69%, down 140 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.96%.
  • Funding: loans stand at 74.69% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.69%-140 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+40 bps YoY

Efficiency Ratio (YTD, annualized)

126.83%+7,633 bps YoY

Tier 1 Leverage Ratio

10.96%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.71%0.74%0.85%0.94%-0.69%-140 bps
Return on Equity7.11%7.34%8.33%8.98%-6.17%-1,328 bps
Net Interest Margin2.93%3.11%3.20%3.09%3.33%+40 bps
Efficiency Ratio50.50%47.60%45.04%43.44%126.83%+7,633 bps
Non-Interest Burden1.52%1.51%1.46%1.36%4.36%+285 bps
Growth
Asset Growth (YoY)6.37%8.36%1.20%-0.30%0.17%-621 bps
Loan Growth (YoY)22.80%20.42%15.60%9.28%6.56%-1,625 bps
Deposit Growth (YoY)5.19%7.04%-0.57%-1.45%-1.15%-634 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.13%0.08%0.05%-0.01%-1 bps
Allowance / Loans0.17%0.29%0.31%0.32%0.32%+15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a10.96%n/an/a
Total Risk-Based Capital13.43%13.97%13.87%14.25%15.28%+185 bps
Equity / Assets9.93%10.35%10.55%11.23%11.09%+116 bps
Liquidity & Funding
Loans / Deposits69.29%71.36%73.47%78.00%74.69%+540 bps
Liquid Assets / Assets26.34%26.31%24.44%23.41%28.15%+181 bps
CRE / Total Capitaln/an/an/an/an/an/an/a