PackageTrendsPeer
Letter portraitLegal landscape

Baptist Regional Medical

Pensacola, FL · Charter 9833

Q2 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: Q2 2012, the quarter ended June 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: NCUA 5300 Call Report, 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

Baptist Regional Medical

Pensacola, FL · Charter 9833

Q2 2012

$8.0MAssets
$2.0MLoans
$7.4MShares
$528KNet Worth

Executive Summary

  • Earnings: ROA of -11.22%, down 1,071 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.57% of loans (+28 bps YoY).
  • Capital: net worth / assets of 6.61%, down 510 bps from a year ago.
  • Funding: loans stand at 27.54% of shares as of Q2 2012.

Return on Assets (YTD, annualized)

-11.22%-1,071 bps YoY

Net Interest Margin (YTD, annualized)

2.48%-47 bps YoY

Efficiency Ratio (YTD, annualized)

244%+13,662 bps YoY

Net Worth / Assets

6.61%-510 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.12%0.35%-0.81%-0.50%-0.67%-0.47%-0.07%-11.22%-1,071 bps
Return on Equity0.94%2.66%-6.81%-4.29%-5.66%-3.77%-0.56%-169.67%-16,539 bps
Net Interest Margin3.65%3.61%2.97%2.94%2.99%3.03%2.62%2.48%-47 bps
Efficiency Ratio98.25%91.28%111.25%107.10%109.80%107.47%101.09%244%+13,662 bps
Growth
Asset Growth (YoY)1.65%7.53%9.67%10.97%3.45%-1.44%-3.30%-5.62%-1,659 bps
Loan Growth (YoY)-4.02%-1.52%-12.74%-11.70%-11.74%-22.25%-19.14%-28.92%-1,722 bps
Share Growth (YoY)1.85%9.19%12.78%14.09%4.88%-0.37%-3.22%-1.42%-1,550 bps
Asset Quality
Delinquent Loans / Loans0.52%1.36%0.33%0.29%0.82%0.81%1.17%0.57%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.97%0.94%0.58%0.57%0.60%0.37%0.41%5.23%+466 bps
Capital
Risk-Based Capital12.97%13.05%11.93%11.71%11.80%12.37%11.97%6.61%-510 bps
Net Worth / Assets12.97%13.05%11.93%11.71%11.80%12.37%11.97%6.61%-510 bps
Liquidity & Funding
Loans / Shares44.91%45.99%38.05%38.19%37.79%35.89%31.79%27.54%-1,066 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps