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Crestmark Bank

Troy, MI · Cert 34353

FDIC · 1 branch

Q2 2018

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 2018, the quarter ended June 30, 2018, 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

Crestmark Bank

Troy, MI · Cert 34353

FDIC · 1 branch

Q2 2018

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$136.4MEquity
Loan mix
3%RE $22.1M91%C&I $739.0M6%Consumer $51.8MQ2 2017Q2 2018
Deposit mix
100%Interest-bearing $1.1B0%Noninterest $0.0BQ2 2017Q2 2018

NIM

8.90%Q2 ’169.46%Q2 ’179.65%Q2 ’18+5%-3%

Non-interest income vs. expense

9.82%Q2 ’1610.80%Q2 ’178.74%Q2 ’18-1%-7%

Market Position · Detroit-Warren-Dearborn, MI · 2018 SOD (annual) · 0.8% share · #12 of 46 inst. · $1.1B of $133.3B

Executive Summary

  • Earnings: ROA of 1.98%, down 18 bps year over year; NIM at 8.27%.
  • Asset quality: problem loans at 1.49% of loans (+53 bps YoY), with net charge-offs at 0.68%.
  • Capital: tier 1 leverage ratio of 10.21%, up 62 bps from a year ago.
  • Funding: loans stand at 94.92% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

1.98%-18 bps YoY

Net Interest Margin (YTD, annualized)

8.27%-26 bps YoY

Efficiency Ratio (YTD, annualized)

71.71%-487 bps YoY

Tier 1 Leverage Ratio

10.21%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets2.15%2.11%2.87%1.90%1.98%-18 bps
Return on Equity21.33%21.15%28.52%18.06%18.89%-244 bps
Net Interest Margin8.53%8.00%7.54%8.67%8.27%-26 bps
Efficiency Ratio76.58%73.46%72.72%74.17%71.71%-487 bps
Non-Interest Burden5.16%4.44%4.13%5.34%4.79%-37 bps
Growth
Asset Growth (YoY)20.61%27.08%33.41%32.78%32.90%+1,229 bps
Loan Growth (YoY)27.60%29.18%32.99%37.43%36.05%+844 bps
Deposit Growth (YoY)23.49%31.58%41.66%34.43%33.84%+1,034 bps
Asset Quality
Nonperforming Loans / Loans0.96%1.73%0.74%1.05%1.49%+53 bps
Net Charge-Offs / Loans0.21%0.63%0.76%0.36%0.68%+47 bps
Allowance / Loans1.20%1.18%1.11%1.16%0.96%-24 bps
Allowance Coverage of NPLs1.3x0.7x1.5x1.1x0.6x-0.6x
Capital
Tier 1 Leverage Ratio9.58%9.53%10.26%10.38%10.21%+62 bps
Total Risk-Based Capital10.58%10.64%11.77%12.21%11.48%+91 bps
Equity / Assets9.85%9.67%10.34%10.72%10.33%+48 bps
Liquidity & Funding
Loans / Deposits93.37%91.38%91.63%93.65%94.92%+154 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a