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Aztecamerica Bank

Berwyn, IL · Cert 57866

FDIC

Q1 2014

$66.3MAssets
$45.1MLoans
$65.0MDeposits
$910KEquity
Loan mix
91%RE $27.5M8%C&I $2.5M0%Consumer $0.0MQ1 2013Q1 2014
Deposit mix
93%Interest-bearing $60.7M7%Noninterest $4.4MQ1 2013Q1 2014

NIM

4.41%Q1 ’123.69%Q1 ’133.40%Q1 ’14-17%-8%

Non-interest income vs. expense

3.84%Q1 ’125.93%Q1 ’136.26%Q1 ’14+114%-11%

Executive Summary

  • Earnings: ROA of -2.85%, up 105 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Funding: loans stand at 69.41% of deposits as of Q1 2014.

Financial Results

Return on Assets (quarter, annualized)

-2.85%+105 bps YoY

Net Interest Margin (quarter, annualized)

2.34%-21 bps YoY

Efficiency Ratio (quarter, annualized)

213%-7,137 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-3.90%-2.89%-3.40%-0.39%-2.85%+105 bps
Return on Equity-108.91%-104.50%-167.99%-21.70%-169.53%-6,063 bps
Net Interest Margin2.55%2.80%2.52%2.29%2.34%-21 bps
Efficiency Ratio285%212%225%169.62%213%-7,137 bps
Non-Interest Burden6.40%5.85%5.92%5.01%5.66%-73 bps
Growth
Asset Growth (YoY)-5.77%-8.43%-3.82%-17.44%-16.30%-1,054 bps
Loan Growth (YoY)-12.29%-10.10%-11.88%-19.55%-18.90%-661 bps
Deposit Growth (YoY)-3.02%-3.93%-0.29%-15.84%-14.97%-1,195 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans7.81%-0.26%0.74%0.57%0.23%-758 bps
Allowance / Loans4.45%4.50%4.45%3.83%3.81%-65 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital5.56%5.15%4.07%4.43%3.56%-199 bps
Equity / Assets3.12%2.42%1.64%1.99%1.37%-175 bps
Liquidity & Funding
Loans / Deposits72.77%72.86%69.86%73.54%69.41%-336 bps
Liquid Assets / Assets8.70%8.20%7.95%3.17%4.01%-469 bps
CRE / Total Capitaln/an/an/an/an/an/an/a