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Letter portraitLegal landscapeQuarterYTD

Superior Bank, National Association

Tampa, FL · Cert 59026

FDIC

Q3 2011

$2.5BAssets
$1.7BLoans
$2.1BDeposits
$385.1MEquity
Loan mix
88%RE $1.1B8%C&I $0.1B4%Consumer $0.0BQ2 2011Q3 2011
Deposit mix
87%Interest-bearing $1.9B13%Noninterest $0.3BQ2 2011Q3 2011

Executive Summary

  • Earnings: ROA of 0.36%; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.24%.
  • Funding: loans stand at 77.91% of deposits as of Q3 2011.

Return on Assets (YTD, annualized)

0.36%

Net Interest Margin (YTD, annualized)

3.18%

Efficiency Ratio (YTD, annualized)

62.83%

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.87%Q2 ’113.51%Q3 ’11+109%

Non-interest income vs. expense

1.62%Q2 ’112.78%Q3 ’11+22%

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.11%0.36%n/a
Return on Equityn/an/an/an/a
Net Interest Margin1.52%3.18%n/a
Efficiency Ratio86.98%62.83%n/a
Non-Interest Burden1.36%1.65%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Deposit Growth (YoY)n/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%n/a
Net Charge-Offs / Loans0.00%0.24%n/a
Allowance / Loans0.00%0.96%n/a
Allowance Coverage of NPLsn/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a
Total Risk-Based Capital31.89%32.43%n/a
Equity / Assets14.16%15.20%n/a
Liquidity & Funding
Loans / Deposits76.04%77.91%n/a
Liquid Assets / Assets4.72%7.14%n/a
CRE / Total Capitaln/an/an/an/a