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Paragon Commercial Bank

Raleigh, NC · Cert 35100

FDIC · 3 branches

Q4 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: Q4 2017, the quarter ended December 31, 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

Paragon Commercial Bank

Raleigh, NC · Cert 35100

FDIC · 3 branches

Q4 2017

$1.8BAssets
$1.4BLoans
$1.3BDeposits
$166.7MEquity
Loan mix
80%RE $771.0M20%C&I $194.4M0%Consumer $3.6MQ4 2016Q4 2017
Deposit mix
83%Interest-bearing $1.1B17%Noninterest $0.2BQ4 2016Q4 2017

NIM

3.73%Q4 ’153.65%Q4 ’163.73%Q4 ’17-2%0%

Non-interest income vs. expense

1.87%Q4 ’151.77%Q4 ’161.75%Q4 ’17-6%-1%

Market Position · Raleigh, NC · 2017 SOD (annual) · 3.0% share · #8 of 35 inst. · $0.8B of $27.1B

3.2% Wake
0.2% Mecklenburg

Executive Summary

  • Earnings: ROA of 0.92%, down 8 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.69%, down 68 bps from a year ago.
  • Funding: loans stand at 112.64% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.92%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.14%-1 bps YoY

Efficiency Ratio (YTD, annualized)

54.52%-46 bps YoY

Tier 1 Leverage Ratio

9.69%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets1.00%0.94%0.96%0.99%0.92%-8 bps
Return on Equity10.28%9.38%9.61%10.08%9.47%-81 bps
Net Interest Margin3.15%3.22%3.23%3.16%3.14%-1 bps
Efficiency Ratio54.99%56.97%54.83%53.02%54.52%-46 bps
Non-Interest Burden1.70%1.78%1.72%1.64%1.67%-2 bps
Growth
Asset Growth (YoY)15.13%15.48%12.85%17.83%17.31%+218 bps
Loan Growth (YoY)17.26%17.82%21.25%19.31%21.28%+402 bps
Deposit Growth (YoY)19.43%20.90%7.19%7.26%9.07%-1,035 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.04%0.04%0.03%0.02%+2 bps
Net Charge-Offs / Loans0.03%-0.02%-0.03%-0.03%-0.02%-5 bps
Allowance / Loans0.66%0.66%0.67%0.68%0.66%0 bps
Allowance Coverage of NPLsn/a16.3x18.1x20.1x36.6xn/a
Capital
Tier 1 Leverage Ratio10.37%10.13%10.14%9.87%9.69%-68 bps
Total Risk-Based Capital12.99%12.73%12.18%12.02%11.73%-126 bps
Equity / Assets10.06%10.03%9.80%9.45%9.45%-61 bps
Liquidity & Funding
Loans / Deposits101.30%97.02%113.17%107.70%112.64%+1,134 bps
Liquid Assets / Assets2.55%3.35%0.82%4.56%3.03%+47 bps
CRE / Total Capitaln/an/an/an/an/an/an/a