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BPD International Bank

New York, NY · Cert 26508

FDIC

Q4 2013

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: Q4 2013, the quarter ended December 31, 2013, 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

BPD International Bank

New York, NY · Cert 26508

FDIC

Q4 2013

$4.3MAssets
n/aLoans
n/aDeposits
$392KEquity
Deposit mix
90%Interest-bearing $010%Noninterest $0Q4 2012Q4 2013

NIM

4.33%Q4 ’114.19%Q4 ’1221.51%Q4 ’13+2%+303%

Non-interest income vs. expense

3.16%Q4 ’112.91%Q4 ’1246.58%Q4 ’13-2%+1889%

Executive Summary

  • Earnings: ROA of -7.84%, down 904 bps year over year; NIM at 15.30%.

Financial Results

Return on Assets (YTD, annualized)

-7.84%-904 bps YoY

Net Interest Margin (YTD, annualized)

15.30%+1,150 bps YoY

Efficiency Ratio (YTD, annualized)

292%+22,607 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets1.19%0.81%0.62%1-1.07%-7.84%-904 bps
Return on Equity6.82%4.35%3.08%-4.32%-31.74%-3,856 bps
Net Interest Margin3.79%3.42%3.02%4.48%15.30%+1,150 bps
Efficiency Ratio66.24%64.98%88.86%147.97%292%+22,607 bps
Non-Interest Burden2.31%1.99%2.61%7.26%45.94%+4,363 bps
Growth
Asset Growth (YoY)3.41%-2.40%-21.08%-83.20%-98.93%-10,234 bps
Loan Growth (YoY)-9.88%-12.22%-77.27%-88.84%-100.00%-9,012 bps
Deposit Growth (YoY)2.72%-1.44%-25.16%-100.00%-100.00%-10,272 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loans0.65%1.72%8.65%14.32%26.26%+2,561 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital29.31%31.53%123.56%177.74%27.07%-224 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits77.30%71.90%22.79%n/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a