PackageTrendsPeer
Letter portraitLegal landscape

American Enterprise Bank of Florida

Jacksonville, FL · Cert 57709

FDIC · 2 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

American Enterprise Bank of Florida

Jacksonville, FL · Cert 57709

FDIC · 2 branches

Q4 2015

$199.4MAssets
$159.7MLoans
$179.8MDeposits
$18.9MEquity
Loan mix
68%RE $99.3M27%C&I $39.8M4%Consumer $6.1MQ4 2014Q4 2015
Deposit mix
68%Interest-bearing $122.3M32%Noninterest $57.5MQ4 2014Q4 2015

NIM

3.86%Q4 ’133.83%Q4 ’143.88%Q4 ’15-1%+6%

Non-interest income vs. expense

3.04%Q4 ’133.25%Q4 ’143.09%Q4 ’15+7%-10%

Market Position · Jacksonville, FL · 2015 SOD (annual) · 0.3% share · #19 of 38 inst. · $0.2B of $55.8B

0.3% Duval
25.0% Baker

Executive Summary

  • Earnings: ROA of 0.63%, up 56 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.70%.
  • Funding: loans stand at 88.80% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.63%+56 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+19 bps YoY

Efficiency Ratio (YTD, annualized)

84.71%-1,323 bps YoY

Tier 1 Leverage Ratio

8.70%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.07%0.69%0.68%0.72%0.63%+56 bps
Return on Equity0.79%7.85%7.69%8.00%6.91%+612 bps
Net Interest Margin3.10%3.43%3.38%3.38%3.30%+19 bps
Efficiency Ratio97.94%80.81%84.02%82.75%84.71%-1,323 bps
Non-Interest Burden3.04%2.72%2.79%2.71%2.73%-31 bps
Growth
Asset Growth (YoY)3.58%4.37%-0.54%4.22%0.45%-313 bps
Loan Growth (YoY)4.61%4.58%-0.57%11.09%9.63%+502 bps
Deposit Growth (YoY)3.99%4.40%1.65%-1.19%-0.17%-415 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.31%1.11%0.54%0.01%0.08%-22 bps
Allowance / Loans2.02%1.66%1.58%1.80%1.69%-33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a8.18%8.52%8.88%8.70%n/a
Total Risk-Based Capital12.41%12.28%12.72%12.74%12.50%+9 bps
Equity / Assets8.90%8.58%9.18%9.14%9.50%+60 bps
Liquidity & Funding
Loans / Deposits80.87%79.14%84.61%88.45%88.80%+794 bps
Liquid Assets / Assets8.31%9.97%6.80%7.44%5.08%-322 bps
CRE / Total Capitaln/an/an/an/an/an/an/a