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Regent Bank

Davie, FL · Cert 26713

FDIC · 5 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Regent Bank

Davie, FL · Cert 26713

FDIC · 5 branches

Q2 2016

$359.5MAssets
$289.3MLoans
$306.5MDeposits
$40.4MEquity
Loan mix
77%RE $164.4M23%C&I $48.3M1%Consumer $1.7MQ2 2015Q2 2016
Deposit mix
65%Interest-bearing $199.4M35%Noninterest $107.1MQ2 2015Q2 2016

NIM

3.93%Q2 ’143.88%Q2 ’154.15%Q2 ’16+1%+9%

Non-interest income vs. expense

3.90%Q2 ’143.66%Q2 ’154.39%Q2 ’16-3%+22%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2016 SOD (annual) · 0.1% share · #55 of 101 inst. · $0.3B of $225.9B

0.4% Broward
0.2% Palm Beach

Executive Summary

  • Earnings: ROA of 1.04%, up 54 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 11.22%, up 73 bps from a year ago.
  • Funding: loans stand at 94.38% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.04%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+32 bps YoY

Efficiency Ratio (YTD, annualized)

96.88%+874 bps YoY

Tier 1 Leverage Ratio

11.22%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.50%0.52%0.85%1.35%1.04%+54 bps
Return on Equity4.89%5.05%8.24%12.45%9.48%+459 bps
Net Interest Margin3.50%3.55%3.46%3.83%3.82%+32 bps
Efficiency Ratio88.14%87.70%87.11%109.79%96.88%+874 bps
Non-Interest Burden3.00%3.03%2.94%4.29%3.68%+67 bps
Growth
Asset Growth (YoY)-2.69%-2.02%1.28%2.43%3.47%+616 bps
Loan Growth (YoY)1.19%1.83%4.62%5.17%7.68%+649 bps
Deposit Growth (YoY)-6.02%-5.85%0.66%-0.54%2.20%+823 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%0.01%0.06%-0.04%-0.03%+1 bps
Allowance / Loans2.70%2.71%2.57%2.47%2.45%-25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.49%10.84%10.92%11.25%11.22%+73 bps
Total Risk-Based Capital14.39%14.57%14.70%14.80%14.85%+46 bps
Equity / Assets10.44%10.66%10.59%11.09%11.25%+81 bps
Liquidity & Funding
Loans / Deposits89.58%89.74%93.47%95.24%94.38%+480 bps
Liquid Assets / Assets8.78%9.60%10.12%6.59%6.52%-225 bps
CRE / Total Capitaln/an/an/an/an/an/an/a