PackageTrendsPeer
Letter portraitLegal landscape

Broward Bank of Commerce

Fort Lauderdale, FL · Cert 58813

FDIC · 2 branches

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Broward Bank of Commerce

Fort Lauderdale, FL · Cert 58813

FDIC · 2 branches

Q3 2014

$179.8MAssets
$119.2MLoans
$145.0MDeposits
$19.9MEquity
Loan mix
79%RE $72.3M20%C&I $18.7M1%Consumer $0.5MQ3 2013Q3 2014
Deposit mix
73%Interest-bearing $106.1M27%Noninterest $38.9MQ3 2013Q3 2014

NIM

4.66%Q3 ’124.41%Q3 ’134.42%Q3 ’14-2%+0%

Non-interest income vs. expense

3.14%Q3 ’123.05%Q3 ’132.52%Q3 ’14-5%-21%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2014 SOD (annual) · 0.1% share · #76 of 106 inst. · $0.1B of $187.0B

Executive Summary

  • Earnings: ROA of 0.74%, up 27 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 82.17% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.74%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+1 bps YoY

Efficiency Ratio (YTD, annualized)

59.37%-1,336 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.46%0.70%1.20%1.06%0.74%+27 bps
Return on Equity3.77%5.78%10.43%9.13%6.43%+266 bps
Net Interest Margin3.81%3.73%3.86%3.59%3.82%+1 bps
Efficiency Ratio72.72%68.98%65.37%65.94%59.37%-1,336 bps
Non-Interest Burden2.67%2.42%2.26%2.20%2.10%-57 bps
Growth
Asset Growth (YoY)20.92%11.43%18.34%11.95%15.23%-569 bps
Loan Growth (YoY)13.27%7.11%12.40%8.29%11.29%-198 bps
Deposit Growth (YoY)23.09%11.50%14.98%14.68%9.19%-1,390 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.75%1.79%1.60%1.64%2.29%+54 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 Capital17.32%17.29%16.47%16.70%16.22%-110 bps
Equity / Assets11.70%11.74%11.27%11.79%11.07%-63 bps
Liquidity & Funding
Loans / Deposits80.62%77.14%79.21%76.61%82.17%+155 bps
Liquid Assets / Assets2.69%5.01%9.45%0.82%6.30%+361 bps
CRE / Total Capitaln/an/an/an/an/an/an/a