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Palm Beach Community Bank

Boynton Beach, FL · Cert 58763

FDIC · 4 branches

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

Palm Beach Community Bank

Boynton Beach, FL · Cert 58763

FDIC · 4 branches

Q3 2017

$322.0MAssets
$272.9MLoans
$265.2MDeposits
$41.4MEquity
Loan mix
85%RE $199.1M15%C&I $35.1M0%Consumer $0.2MQ3 2016Q3 2017
Deposit mix
86%Interest-bearing $229.2M14%Noninterest $36.0MQ3 2016Q3 2017

NIM

4.47%Q3 ’154.54%Q3 ’164.59%Q3 ’17+1%-1%

Non-interest income vs. expense

2.26%Q3 ’152.32%Q3 ’162.93%Q3 ’17+5%+16%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 0.1% share · #62 of 99 inst. · $0.3B of $231.7B

Executive Summary

  • Earnings: ROA of 1.13%, down 54 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 1.94% of loans (+194 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 12.55%, up 83 bps from a year ago.
  • Funding: loans stand at 102.94% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

1.13%-54 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-3 bps YoY

Efficiency Ratio (YTD, annualized)

69.43%+1,141 bps YoY

Tier 1 Leverage Ratio

12.55%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets1.66%1.72%1.52%1.16%1.13%-54 bps
Return on Equity14.06%14.45%12.54%9.55%9.17%-489 bps
Net Interest Margin3.92%3.91%3.69%3.72%3.89%-3 bps
Efficiency Ratio58.03%59.07%57.23%67.00%69.43%+1,141 bps
Non-Interest Burden2.24%2.27%1.87%2.35%2.60%+36 bps
Growth
Asset Growth (YoY)2.69%5.57%6.12%2.69%-3.28%-597 bps
Loan Growth (YoY)8.96%7.26%11.21%6.14%0.80%-815 bps
Deposit Growth (YoY)-1.45%1.51%6.16%4.76%-1.78%-32 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.67%1.73%1.94%+194 bps
Net Charge-Offs / Loans0.00%-0.10%0.75%0.39%0.26%+26 bps
Allowance / Loans0.71%0.81%0.67%0.75%0.75%+4 bps
Allowance Coverage of NPLsn/an/a0.4x0.4x0.4xn/a
Capital
Tier 1 Leverage Ratio11.71%12.17%12.45%11.77%12.55%+83 bps
Total Risk-Based Capital16.82%17.32%17.17%17.41%17.45%+63 bps
Equity / Assets11.83%12.13%12.06%12.13%12.87%+104 bps
Liquidity & Funding
Loans / Deposits100.30%103.08%103.37%98.36%102.94%+263 bps
Liquid Assets / Assets6.81%3.59%4.04%5.23%2.92%-390 bps
CRE / Total Capitaln/an/an/an/an/an/an/a