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Mellon United National Bank

Miami, FL · Cert 21837

FDIC · 26 branches

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

Mellon United National Bank

Miami, FL · Cert 21837

FDIC · 26 branches

Q2 2017

$5.7BAssets
$4.1BLoans
$4.4BDeposits
$645.7MEquity
Loan mix
74%RE $2.4B25%C&I $0.8B1%Consumer $0.0BQ2 2016Q2 2017
Deposit mix
87%Interest-bearing $3.8B13%Noninterest $0.6BQ2 2016Q2 2017

NIM

3.36%Q2 ’153.30%Q2 ’163.36%Q2 ’17-3%-1%

Non-interest income vs. expense

2.22%Q2 ’152.01%Q2 ’161.65%Q2 ’17-26%+0%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 1.8% share · #13 of 99 inst. · $4.2B of $231.7B

2.3% Miami-Dade
2.1% Palm Beach
0.3% Broward
0.6% Collier

Executive Summary

  • Earnings: ROA of 1.01%, up 14 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.85% of loans (+85 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 9.88%, up 26 bps from a year ago.
  • Funding: loans stand at 94.07% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

1.01%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.92%-3 bps YoY

Efficiency Ratio (YTD, annualized)

51.27%-442 bps YoY

Tier 1 Leverage Ratio

9.88%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.87%0.85%0.88%0.81%1.01%+14 bps
Return on Equity7.96%7.76%8.10%7.54%9.23%+127 bps
Net Interest Margin2.95%2.94%2.85%2.89%2.92%-3 bps
Efficiency Ratio55.70%56.84%55.16%56.78%51.27%-442 bps
Non-Interest Burden1.44%1.53%1.45%1.60%1.45%+1 bps
Growth
Asset Growth (YoY)11.74%10.50%9.94%4.96%5.12%-662 bps
Loan Growth (YoY)5.77%6.91%12.18%14.80%10.06%+428 bps
Deposit Growth (YoY)11.64%9.45%6.90%0.22%1.68%-996 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.97%0.85%+85 bps
Net Charge-Offs / Loans-0.03%0.00%-0.03%-0.04%-0.09%-6 bps
Allowance / Loans1.27%1.18%1.07%1.05%1.00%-26 bps
Allowance Coverage of NPLsn/an/an/a1.1x1.2xn/a
Capital
Tier 1 Leverage Ratio9.62%9.67%9.60%9.59%9.88%+26 bps
Total Risk-Based Capital15.49%15.66%14.82%15.13%16.06%+57 bps
Equity / Assets11.08%11.03%10.62%10.80%11.27%+18 bps
Liquidity & Funding
Loans / Deposits86.91%87.79%95.91%96.45%94.07%+716 bps
Liquid Assets / Assets8.16%7.75%5.71%5.52%5.93%-223 bps
CRE / Total Capitaln/an/an/an/an/an/an/a