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Executive National Bank

Miami, FL · Cert 20711

FDIC · 3 branches

Q3 2020

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: Q3 2020, the quarter ended September 30, 2020, 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

Executive National Bank

Miami, FL · Cert 20711

FDIC · 3 branches

Q3 2020

$511.7MAssets
$344.9MLoans
$431.3MDeposits
$53.0MEquity
Loan mix
88%RE $212.5M11%C&I $27.2M0%Consumer $0.5MQ3 2019Q3 2020
Deposit mix
77%Interest-bearing $332.2M23%Noninterest $99.2MQ3 2019Q3 2020

NIM

3.84%Q3 ’184.14%Q3 ’193.24%Q3 ’20-1%-22%

Non-interest income vs. expense

2.79%Q3 ’183.07%Q3 ’192.49%Q3 ’20+8%-14%

Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2020 SOD (annual) · 0.2% share · #46 of 84 inst. · $0.4B of $277.3B

Executive Summary

  • Earnings: ROA of 0.38%, down 29 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.21% of loans (-28 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.28%, down 85 bps from a year ago.
  • Funding: loans stand at 79.96% of deposits as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

0.38%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-79 bps YoY

Efficiency Ratio (YTD, annualized)

82.63%+649 bps YoY

Tier 1 Leverage Ratio

10.28%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.67%0.64%0.40%0.22%0.38%-29 bps
Return on Equity6.04%5.77%3.65%2.08%3.62%-242 bps
Net Interest Margin3.54%3.41%3.09%2.80%2.75%-79 bps
Efficiency Ratio76.15%78.28%82.46%82.79%82.63%+649 bps
Non-Interest Burden2.58%2.57%2.49%2.27%2.22%-36 bps
Growth
Asset Growth (YoY)9.96%10.47%8.24%14.73%9.62%-35 bps
Loan Growth (YoY)9.60%3.62%-1.44%-6.72%-10.04%-1,964 bps
Deposit Growth (YoY)4.14%7.99%7.22%15.47%9.89%+575 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.17%0.20%0.21%0.21%-28 bps
Net Charge-Offs / Loans0.05%0.04%0.00%0.00%0.00%-6 bps
Allowance / Loans1.29%1.30%1.36%1.54%1.45%+16 bps
Allowance Coverage of NPLs2.6x7.9x6.7x7.5x6.8x+4.2x
Capital
Tier 1 Leverage Ratio11.13%10.94%10.77%10.14%10.28%-85 bps
Total Risk-Based Capital16.95%17.54%17.45%17.36%18.21%+126 bps
Equity / Assets11.08%11.17%10.64%9.98%10.36%-72 bps
Liquidity & Funding
Loans / Deposits97.68%95.19%88.81%80.59%79.96%-1,771 bps
Liquid Assets / Assets5.62%5.32%9.81%13.26%15.14%+952 bps
CRE / Total Capitaln/an/an/an/an/an/an/a