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Insignia Bank

Sarasota, FL · Cert 58387

FDIC · 2 branches

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

Insignia Bank

Sarasota, FL · Cert 58387

FDIC · 2 branches

Q4 2016

$243.7MAssets
$194.2MLoans
$202.9MDeposits
$25.1MEquity
Loan mix
97%RE $125.7M2%C&I $1.9M1%Consumer $1.3MQ4 2015Q4 2016
Deposit mix
78%Interest-bearing $157.4M22%Noninterest $45.6MQ4 2015Q4 2016

NIM

3.87%Q4 ’143.61%Q4 ’153.73%Q4 ’16-6%+3%

Non-interest income vs. expense

3.31%Q4 ’143.25%Q4 ’152.91%Q4 ’16-12%-7%

Market Position · North Port-Sarasota-Bradenton, FL · 2016 SOD (annual) · 1.1% share · #22 of 40 inst. · $0.2B of $19.3B

Executive Summary

  • Earnings: ROA of 0.65%, up 14 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.92%, down 3 bps from a year ago.
  • Funding: loans stand at 95.72% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.65%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+9 bps YoY

Efficiency Ratio (YTD, annualized)

73.79%-731 bps YoY

Tier 1 Leverage Ratio

9.92%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.51%0.40%0.53%0.56%0.65%+14 bps
Return on Equity4.57%4.18%5.50%5.91%6.69%+212 bps
Net Interest Margin3.18%3.30%3.07%3.21%3.27%+9 bps
Efficiency Ratio81.11%81.65%77.82%76.42%73.79%-731 bps
Non-Interest Burden2.39%2.62%2.25%2.28%2.22%-17 bps
Growth
Asset Growth (YoY)18.80%32.53%20.04%24.72%13.34%-546 bps
Loan Growth (YoY)20.10%16.56%22.62%21.66%10.27%-983 bps
Deposit Growth (YoY)16.84%35.96%22.10%30.17%19.10%+226 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.07%-0.02%-0.02%-0.02%-0.03%+3 bps
Allowance / Loans1.24%1.24%1.20%1.19%1.20%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.95%9.31%8.61%9.03%9.92%-3 bps
Total Risk-Based Capital13.48%13.47%13.41%13.51%14.75%+127 bps
Equity / Assets10.53%8.97%9.44%9.26%10.29%-24 bps
Liquidity & Funding
Loans / Deposits103.39%82.17%89.33%88.13%95.72%-767 bps
Liquid Assets / Assets1.90%13.26%6.02%7.23%2.04%+13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a