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Team Capital Bank

Bethlehem, PA · Cert 58085

FDIC

Q1 2014

$948.7MAssets
$624.1MLoans
$738.7MDeposits
$97.3MEquity
Loan mix
83%RE $347.7M16%C&I $67.8M0%Consumer $1.7MQ1 2013Q1 2014
Deposit mix
83%Interest-bearing $615.2M17%Noninterest $123.5MQ1 2013Q1 2014

NIM

4.26%Q1 ’123.88%Q1 ’133.88%Q1 ’14-6%+1%

Non-interest income vs. expense

2.56%Q1 ’122.53%Q1 ’132.50%Q1 ’14-5%+1%

Executive Summary

  • Earnings: ROA of 0.81%, up 3 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 84.48% of deposits as of Q1 2014.

Financial Results

Return on Assets (quarter, annualized)

0.81%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.28%+4 bps YoY

Efficiency Ratio (quarter, annualized)

70.45%-30 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets0.78%0.60%0.76%0.66%0.81%+3 bps
Return on Equity7.76%6.09%7.97%6.99%8.08%+32 bps
Net Interest Margin3.24%3.28%3.39%3.28%3.28%+4 bps
Efficiency Ratio70.75%73.48%65.04%74.91%70.45%-30 bps
Non-Interest Burden2.20%2.32%2.10%2.40%2.23%+3 bps
Growth
Asset Growth (YoY)12.96%-0.84%4.03%2.55%0.64%-1,232 bps
Loan Growth (YoY)17.51%11.32%13.22%14.91%14.06%-345 bps
Deposit Growth (YoY)10.31%-2.05%1.96%2.40%1.42%-890 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.08%0.13%0.02%0.00%0.20%+28 bps
Allowance / Loans1.50%1.50%1.52%1.48%1.41%-9 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 Capital14.72%14.74%14.36%14.57%14.80%+7 bps
Equity / Assets9.90%9.76%9.24%9.76%10.26%+36 bps
Liquidity & Funding
Loans / Deposits75.11%77.35%79.16%84.19%84.48%+937 bps
Liquid Assets / Assets4.68%3.55%4.00%1.75%1.66%-303 bps
CRE / Total Capitaln/an/an/an/an/an/an/a