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First National Bank of Homestead

Homestead, FL · Cert 3564

FDIC · 6 branches

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

First National Bank of Homestead

Homestead, FL · Cert 3564

FDIC · 6 branches

Q4 2015

$330.7MAssets
$201.9MLoans
$267.0MDeposits
$32.1MEquity
Loan mix
97%RE $135.5M2%C&I $3.3M1%Consumer $1.1MQ4 2014Q4 2015
Deposit mix
70%Interest-bearing $186.4M30%Noninterest $80.7MQ4 2014Q4 2015

NIM

3.41%Q4 ’133.41%Q4 ’143.52%Q4 ’15+1%+4%

Non-interest income vs. expense

3.19%Q4 ’132.92%Q4 ’143.08%Q4 ’15-6%+2%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2015 SOD (annual) · 0.1% share · #56 of 105 inst. · $0.3B of $207.5B

Executive Summary

  • Earnings: ROA of 0.53%, down 2 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.39%.
  • Funding: loans stand at 75.62% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.53%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+12 bps YoY

Efficiency Ratio (YTD, annualized)

86.92%-57 bps YoY

Tier 1 Leverage Ratio

9.39%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.55%0.74%0.57%0.55%0.53%-2 bps
Return on Equity5.96%7.88%6.19%5.93%5.63%-34 bps
Net Interest Margin2.86%3.09%2.94%2.96%2.98%+12 bps
Efficiency Ratio87.49%83.87%84.91%85.60%86.92%-57 bps
Non-Interest Burden2.46%2.52%2.43%2.47%2.51%+5 bps
Growth
Asset Growth (YoY)6.32%5.83%8.79%12.52%3.60%-272 bps
Loan Growth (YoY)8.44%18.16%17.08%11.73%2.05%-639 bps
Deposit Growth (YoY)6.96%6.18%9.94%14.26%3.81%-315 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%-0.01%0.05%0.03%0.02%-3 bps
Allowance / Loans1.07%1.03%1.06%1.03%0.95%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a9.38%9.03%8.97%9.39%n/a
Total Risk-Based Capital15.14%14.86%15.12%15.40%16.15%+101 bps
Equity / Assets9.48%9.39%8.97%9.25%9.70%+22 bps
Liquidity & Funding
Loans / Deposits76.92%78.63%72.09%72.79%75.62%-131 bps
Liquid Assets / Assets4.00%4.84%5.77%4.69%4.05%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a