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Enterprise National Bank of Palm Beach

North Palm Beach, FL · Cert 32917

FDIC

Q2 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: Q2 2013, the quarter ended June 30, 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

Enterprise National Bank of Palm Beach

North Palm Beach, FL · Cert 32917

FDIC

Q2 2013

$248.6MAssets
$180.4MLoans
$177.3MDeposits
$35.5MEquity
Loan mix
85%RE $70.0M13%C&I $10.7M1%Consumer $1.2MQ2 2012Q2 2013
Deposit mix
85%Interest-bearing $150.3M15%Noninterest $27.0MQ2 2012Q2 2013

NIM

4.77%Q2 ’114.69%Q2 ’123.78%Q2 ’13+10%-8%

Non-interest income vs. expense

2.98%Q2 ’113.05%Q2 ’123.95%Q2 ’13-30%+126%

Executive Summary

  • Earnings: ROA of -1.05%, down 273 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.49%.
  • Funding: loans stand at 101.72% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.05%-273 bps YoY

Net Interest Margin (YTD, annualized)

3.24%-30 bps YoY

Efficiency Ratio (YTD, annualized)

106.62%+4,617 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets1.68%2.21%0.78%0.67%-1.05%-273 bps
Return on Equity12.53%16.24%5.59%4.55%-7.22%-1,976 bps
Net Interest Margin3.54%3.30%3.41%3.44%3.24%-30 bps
Efficiency Ratio60.46%61.60%54.92%55.90%106.62%+4,617 bps
Non-Interest Burden1.55%1.40%1.04%1.05%3.49%+194 bps
Growth
Asset Growth (YoY)2.69%7.92%-5.55%2.30%-0.38%-308 bps
Loan Growth (YoY)6.94%11.13%5.84%3.91%2.97%-397 bps
Deposit Growth (YoY)-2.64%0.04%-14.89%-9.79%-11.87%-924 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.39%2.40%0.10%1.49%+135 bps
Allowance / Loans2.14%1.93%2.24%2.73%1.95%-19 bps
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 Capital15.98%17.04%17.00%17.13%16.55%+57 bps
Equity / Assets14.06%14.24%15.30%14.16%14.29%+23 bps
Liquidity & Funding
Loans / Deposits87.06%89.22%101.43%94.48%101.72%+1,466 bps
Liquid Assets / Assets7.98%22.22%15.23%20.13%16.22%+825 bps
CRE / Total Capitaln/an/an/an/an/an/an/a