Seacoast Banking Corporation Of Florida · NASDAQ:SBCF
Seacoast Banking Corporation Of Florida — Seacoast Banking Corp of Florida — Q4 2012 Earnings Presentation
10 slides from Seacoast Banking Corporation Of Florida's earnings presentation, Jan 30, 2013
Slide 1: Noninterest Expense: Core operating expense managed
* Excluding securities gains and change in fair value of a commercial loan available for sale Noninterest Expense Core operating expense managed
Slide 2: Total Core Operating Expense
Total Core Operating Expense $20,000 $19,500 $19,000 $18,500 $18,000 3.46% 042014 3.62% 0-12012 3.67% 0-22012 3.59% 032012 3.59% 0-42012 cchaied 3.65% 3.60% 3.55% + 350% 3.45% 3.40% 3.35% + 330% syossy oBeiony oj esuadx3 Bunesedo 0105
Slide 3: Mortgage Banking Gains: Building Fee Based Revenues
Opportunities: • Loan growth • Reduction of cost of deposits • Nonperforming asset resolution Threats: • Market pressures Mortgage Banking Gains Our focus on building production capacity is paying off Building Fee Based Revenues
Slide 4: Interchange Income
Interchange Income Our focus on building franchise households is paying off Building Fee Based Revenues
Slide 5: Positive Household Growth
Positive Household Growth Aggregate Households
Slide 6: Demand Deposits – Personal
Demand Deposits – Personal Building the Balance Sheet
Slide 7: Demand Deposits – Business
Demand Deposits – Business Building the Balance Sheet
Slide 8: Core Ending Deposit Growth
Savings Deposits 922 1,018 10.4 % Other Time Certificates 249 191 -23.3 % Time certificates of $100,000 or more 219 127 -41.8 % Total Deposits $ 1,719 $ 1,759 Core Ending Deposit Growth Favorable core growth rate (In millions) 4Q-2011 4Q-2012 Year Over Year Increase (Decrease) Noninterest Bearing De
Slide 9: Credit Analysis and Capital Ratios
Net charge-offs to average loans 0.69 % 0.79 % 2.05 % 1.13 % 1.07 % Loan loss provision $ 1,136 $ 900 $ 6,455 $ 2,305 $ 432 Coverage ratio – NPLs 53.97 % 52.01 % 50.81 % 58.62 % 89.62 % Total Risk Based Capital Ratio 18.33 % 18.67 % 18.43 % 18.62 % Tangible Equity to Tangible Assets 7.55 % 7.96 % 7.
Slide 10: Slide 10
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