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Intercontinental Bank

West Miami, FL · Cert 57214

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

Intercontinental Bank

West Miami, FL · Cert 57214

FDIC · 1 branch

Q2 2018

$153.3MAssets
$79.6MLoans
$132.4MDeposits
$20.0MEquity
Loan mix
90%RE $41.0M8%C&I $3.5M2%Consumer $1.0MQ2 2017Q2 2018
Deposit mix
71%Interest-bearing $94.0M29%Noninterest $38.4MQ2 2017Q2 2018

NIM

2.45%Q2 ’162.68%Q2 ’173.00%Q2 ’18+6%+8%

Non-interest income vs. expense

2.00%Q2 ’161.98%Q2 ’172.09%Q2 ’18+9%+20%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2018 SOD (annual) · 0.1% share · #66 of 92 inst. · $0.1B of $236.2B

Executive Summary

  • Earnings: ROA of 0.46%, down 1 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 0.15% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.30%, up 28 bps from a year ago.
  • Funding: loans stand at 60.09% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.46%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.31%+17 bps YoY

Efficiency Ratio (YTD, annualized)

76.78%+402 bps YoY

Tier 1 Leverage Ratio

13.30%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.47%0.54%0.42%0.40%0.46%-1 bps
Return on Equity3.66%4.14%3.19%3.14%3.58%-8 bps
Net Interest Margin2.14%2.19%2.23%2.25%2.31%+17 bps
Efficiency Ratio72.76%72.16%73.74%79.92%76.78%+402 bps
Non-Interest Burden1.40%1.42%1.51%1.72%1.68%+28 bps
Growth
Asset Growth (YoY)4.08%5.79%-0.41%6.40%-0.64%-472 bps
Loan Growth (YoY)24.04%24.21%10.47%16.32%8.78%-1,526 bps
Deposit Growth (YoY)6.31%6.17%-1.13%7.25%-0.71%-702 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.27%0.10%0.11%0.15%-8 bps
Net Charge-Offs / Loans0.04%-0.26%-0.17%0.01%0.00%-4 bps
Allowance / Loans0.65%0.73%0.71%0.66%0.69%+4 bps
Allowance Coverage of NPLs2.9x2.8x7.2x5.9x4.7x+1.8x
Capital
Tier 1 Leverage Ratio13.02%13.17%13.36%13.12%13.30%+28 bps
Total Risk-Based Capital22.33%22.87%23.99%23.05%24.75%+242 bps
Equity / Assets12.92%13.32%13.45%12.07%13.05%+13 bps
Liquidity & Funding
Loans / Deposits54.85%57.80%58.80%55.46%60.09%+524 bps
Liquid Assets / Assets13.41%12.62%11.57%10.43%11.03%-238 bps
CRE / Total Capitaln/an/an/an/an/an/an/a