Stonegate Bank

Fort Lauderdale, FL · Cert 57934

FDIC · 29 branches

Q2 2017

$3.1BAssets

$2.5BLoans

$2.6BDeposits

$417.8MEquity

Loan mix

Deposit mix

NIM

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 0.8% share · #21 of 99 inst. · $1.8B of $231.7B

2.1% Broward

3.2% Sarasota

0.7% Palm Beach

0.2% Miami-Dade

Earnings: ROA of 1.06%, down 5 bps year over year; NIM at 3.47%.
Asset quality: problem loans at 0.46% of loans (+46 bps YoY), with net charge-offs at 0.02%.

Return on Assets (YTD, annualized)

1.06%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.47%-8 bps YoY

Efficiency Ratio (YTD, annualized)

52.69%-29 bps YoY

Tier 1 Leverage Ratio

10.68%+32 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2016	Q3 2016	Q4 2016	Q1 2017	Q2 2017	YoY Δ	Trend
Earnings
Return on Assets	1.11%	1.04%	1.11%	1.04%	1.06%	-5 bps
Return on Equity	9.24%	8.75%	9.21%	8.36%	8.28%	-96 bps
Net Interest Margin	3.55%	3.06%	3.16%	3.30%	3.47%	-8 bps
Efficiency Ratio	52.98%	53.81%	54.55%	52.34%	52.69%	-29 bps
Non-Interest Burden	1.75%	1.53%	1.61%	1.61%	1.69%	-6 bps
Growth
Asset Growth (YoY)	5.79%	26.98%	21.92%	31.85%	30.32%	+2,453 bps
Loan Growth (YoY)	10.28%	24.74%	22.47%	31.53%	25.27%	+1,499 bps
Deposit Growth (YoY)	5.35%	27.62%	20.94%	30.20%	28.90%	+2,355 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.37%	0.46%	+46 bps
Net Charge-Offs / Loans	-0.03%	-0.02%	-0.02%	-0.01%	0.02%	+5 bps
Allowance / Loans	0.95%	0.82%	0.83%	0.79%	0.81%	-14 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	2.2x	1.8x	n/a
Capital
Tier 1 Leverage Ratio	10.37%	9.97%	9.91%	10.08%	10.68%	+32 bps
Total Risk-Based Capital	11.96%	11.65%	12.00%	12.26%	12.53%	+56 bps
Equity / Assets	12.35%	11.78%	12.23%	12.66%	13.33%	+98 bps
Liquidity & Funding
Loans / Deposits	96.51%	92.01%	92.88%	91.14%	93.79%	-272 bps
Liquid Assets / Assets	9.88%	11.76%	11.97%	11.69%	9.83%	-5 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a