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Failed Bank History Report
If you had been a subscriber to the IRA Bank Monitor when would you have known?

This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
Bank of Florida - Southwest, member of holding company BANK OF FLORIDA CORPORATION
as of March-2010
1185 IMMOKALEE ROAD NAPLES, FL, 34110
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Total Assets
Total Lending

Total Securities

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

March
2010


F?
-895.1
844.44
141.1%
0

Fail
-0.0%
-0.0%
-0.0%


CCC
D or Lower
1,541.3
99.57
4.05
7.1


$140,802
-16.17%
$-10
-0.0:1
$90,323
14.40%
0.64:1


$647,141
$528,476

$46,128

$3,388
$596,339
2.27%
2.25%

$559,897
$65,624
$0
$186,106
$74,253

11.47%
11.72%
50.37%

$20,363
$17,242
1.18:1
$19,320

$20,363
$35,149
$0
$0
$0
$77,124
$0
$14,236
$146,872
22.70%
22.70%
$77,124

-
-

December
2009


F
23.3
-0.25
104.1%
50,554

Fail
2.0%
4.0%
1.7%


B
CCC
601.6
99.67
3.94
6.9


$63,902
-60.28%
$11,344
0.2:1
$90,862
13.65%
1.42:1


$687,042
$562,442

$21,095

$15,483
$609,257
2.54%
2.42%

$553,178
$86,329
$0
$160,172
$74,257

10.81%
15.61%
46.69%

$33,838
$40,303
0.84:1
$22,353

$33,838
$18,602
$0
$0
$0
$82,240
$0
$13,661
$148,341
21.59%
21.59%
$82,240

-
-

September
2009


F
22.0
-0.22
99.5%
50,554

Warn
5.5%
8.4%
4.6%


B
B
382.5
99.75
4.13
7.0


$49,889
-39.40%
$32,401
0.6:1
$92,807
13.57%
1.86:1


$703,145
$595,043

$46,528

$12,140
$643,421
2.52%
2.50%

$567,271
$107,083
$0
$160,138
$74,262

10.56%
18.88%
48.57%

$17,069
$22,919
0.74:1
$21,670

$17,069
$22,006
$0
$0
$0
$87,854
$0
$9,199
$136,128
19.36%
19.36%
$87,854

-
-

June
2009


F
21.7
-0.01
95.6%
0

Adequate
7.4%
10.2%
6.1%


B
B
305.0
99.88
4.09
8.1


$47,525
-22.96%
$45,152
1.0:1
$44,568
6.61%
0.94:1


$744,646
$607,942

$48,053

$8,329
$641,826
2.60%
2.56%

$544,135
$132,696
$0
$164,328
$74,266

9.97%
24.39%
49.86%

$9,272
$7,695
1.20:1
$14,212

$9,272
$20,680
$0
$0
$0
$84,316
$0
$6,856
$121,124
16.27%
16.27%
$84,316

$10,000
62,908

March
2009


F
22.0
-0.00
91.9%
0

Adequate
7.3%
10.2%
6.0%


B
B
406.2
99.94
3.98
8.6


$46,692
-14.47%
$45,621
1.0:1
$45,155
6.55%
0.97:1


$759,603
$621,985

$51,357

$4,079
$661,022
2.47%
2.49%

$509,462
$137,074
$0
$210,912
$74,270

9.78%
26.91%
55.59%

$6,316
$3,144
2.01:1
$12,610

$6,316
$24,619
$0
$0
$0
$72,755
$0
$4,603
$108,293
14.26%
14.26%
$72,755

$10,000
63,483

December
2008


F
21.1
-0.01
85.2%
0

Adequate
7.5%
10.4%
6.1%


BB
BB
126.1
99.08
3.98
10.3


$22,238
-34.61%
$45,905
2.1:1
$45,392
6.71%
2.04:1


$747,178
$609,328

$53,530

$19,271
$647,357
2.98%
3.09%

$540,125
$139,217
$0
$123,973
$83,274

11.15%
25.77%
46.37%

$7,685
$15,206
0.51:1
$15,778

$7,685
$17,164
$0
$0
$0
$39,341
$0
$4,690
$68,880
9.22%
9.22%
$39,341

$10,000
63,695

September
2008


F
21.1
-0.00
81.6%
0

Adequate
8.3%
11.0%
6.9%


BB
BB
166.6
99.15
3.61
14.6


$20,547
-30.54%
$52,913
2.6:1
$50,458
7.21%
2.46:1


$771,279
$582,776

$40,727

$15,392
$672,809
3.05%
3.32%

$573,635
$175,509
$0
$121,840
$69,278

8.98%
30.60%
47.53%

$7,281
$6,436
1.13:1
$7,403

$7,281
$23,063
$0
$562
$0
$18,446
$0
$4,008
$53,360
6.92%
6.92%
$19,008

$10,000
70,401

June
2008


C
2.2
1.74
80.1%
0

Adequate
9.2%
11.9%
7.9%


BB
BB
89.9
99.22
3.31
14.1


$14,657
-11.79%
$55,808
3.8:1
$55,778
8.84%
3.81:1


$702,235
$570,342

$40,039

$10,429
$609,230
3.42%
3.48%

$472,153
$98,227
$0
$161,589
$96,282

13.71%
20.80%
50.71%

$2,565
$1,022
2.51:1
$6,663

$2,565
$13,518
$0
$0
$0
$17,932
$0
$410
$34,425
4.90%
4.90%
$17,932

$10,000
72,471

March
2008


B
1.8
2.76
80.0%
0

Adequate
9.1%
11.8%
7.9%


BB
BB
114.9
99.82
3.33
16.0


$14,442
-9.33%
$55,527
3.8:1
$56,909
9.08%
3.94:1


$698,891
$565,010

$42,624

$5,160
$604,001
3.42%
3.47%

$472,203
$63,508
$0
$154,679
$95,986

13.73%
13.45%
44.95%

$1,623
$62
26.18:1
$6,538

$1,623
$14,792
$0
$0
$0
$13,356
$0
$98
$29,869
4.27%
4.27%
$13,356

$10,000
72,065

December
2007


A
1.2
2.78
65.7%
0

Adequate
8.4%
11.3%
7.7%


BBB
AA
14.6
99.17
3.15
17.8


$11,800
54.39%
$52,544
4.5:1
$53,539
8.78%
4.54:1


$679,240
$573,381

$19,099

$20,223
$585,041
3.46%
3.97%

$450,675
$31,103
$0
$177,557
$96,090

14.15%
6.90%
44.87%

$839
$2,383
0.35:1
$8,186

$839
$1,317
$0
$422
$0
$13,562
$0
$1,350
$17,490
2.57%
2.57%
$13,984

$10,000
70,336

September
2007


A+
1.0
3.95
62.8%
0

Adequate
8.6%
11.2%
8.0%


A
AA
8.9
98.21
3.75
19.1


$11,940
47.21%
$55,254
4.6:1
$56,020
9.02%
4.69:1


$689,525
$585,300

$19,309

$15,029
$598,840
3.35%
4.09%

$497,257
$56,372
$0
$189,793
$65,294

9.47%
11.34%
45.17%

$392
$569
0.69:1
$6,411

$392
$6,520
$0
$1,019
$0
$4,403
$0
$0
$12,334
1.79%
1.79%
$5,422

-
-

June
2007


A+
0.9
3.31
63.1%
0

Adequate
8.8%
11.4%
7.9%


A
AA
7.4
97.65
2.75
21.8


$11,686
28.41%
$56,778
4.9:1
$57,806
8.91%
4.95:1


$715,706
$577,986

$20,911

$8,885
$627,114
2.83%
3.92%

$550,580
$53,095
$0
$175,634
$45,298

6.33%
9.64%
38.29%

$213
$412
0.52:1
$6,642

$213
$661
$0
$0
$0
$4,463
$0
$0
$5,337
0.75%
0.75%
$4,463

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300