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Biscayne Bank

Coconut Grove, FL · Cert 57973

FDIC · 5 branches

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

Biscayne Bank

Coconut Grove, FL · Cert 57973

FDIC · 5 branches

Q1 2019

$1.0BAssets
$879.9MLoans
$788.2MDeposits
$90.2MEquity
Loan mix
95%RE $691.2M4%C&I $32.0M1%Consumer $5.8MQ1 2018Q1 2019
Deposit mix
72%Interest-bearing $565.8M28%Noninterest $222.4MQ1 2018Q1 2019

NIM

4.16%Q1 ’174.40%Q1 ’184.72%Q1 ’19+2%-5%

Non-interest income vs. expense

1.80%Q1 ’171.68%Q1 ’182.07%Q1 ’19-3%+26%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2018 SOD (annual) · 0.3% share · #31 of 92 inst. · $0.7B of $236.2B

Executive Summary

  • Earnings: ROA of 1.07%, down 39 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.08% of loans (-20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.79%, up 37 bps from a year ago.
  • Funding: loans stand at 111.64% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

1.07%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-17 bps YoY

Efficiency Ratio (YTD, annualized)

57.87%+1,294 bps YoY

Tier 1 Leverage Ratio

8.79%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.46%1.47%1.47%1.47%1.07%-39 bps
Return on Equity17.76%17.75%17.68%17.52%12.20%-556 bps
Net Interest Margin3.52%3.46%3.42%3.32%3.35%-17 bps
Efficiency Ratio44.93%44.67%44.33%45.38%57.87%+1,294 bps
Non-Interest Burden1.46%1.42%1.39%1.38%1.84%+38 bps
Growth
Asset Growth (YoY)18.47%17.30%15.06%12.70%10.38%-809 bps
Loan Growth (YoY)20.67%17.49%14.65%12.61%12.56%-811 bps
Deposit Growth (YoY)9.41%13.09%12.55%10.45%11.13%+172 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.35%0.34%0.34%0.08%-20 bps
Net Charge-Offs / Loans-0.01%0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.00%1.01%1.01%0.99%0.99%-1 bps
Allowance Coverage of NPLs3.6x2.9x3.0x2.9x13.0x+9.3x
Capital
Tier 1 Leverage Ratio8.42%8.51%8.67%8.71%8.79%+37 bps
Total Risk-Based Capital13.32%13.45%13.45%13.77%13.66%+34 bps
Equity / Assets8.27%8.38%8.45%8.68%8.83%+57 bps
Liquidity & Funding
Loans / Deposits110.22%107.63%111.17%113.28%111.64%+142 bps
Liquid Assets / Assets12.45%12.76%12.41%12.21%10.57%-188 bps
CRE / Total Capitaln/an/an/an/an/an/an/a