Broward Bank of Commerce

Fort Lauderdale, FL · Cert 58813

FDIC · 2 branches

Q3 2014

$179.8MAssets

$119.2MLoans

$145.0MDeposits

$19.9MEquity

Loan mix

Deposit mix

NIM

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

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.

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.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	0.46%	0.70%	1.20%	1.06%	0.74%	+27 bps
Return on Equity	3.77%	5.78%	10.43%	9.13%	6.43%	+266 bps
Net Interest Margin	3.81%	3.73%	3.86%	3.59%	3.82%	+1 bps
Efficiency Ratio	72.72%	68.98%	65.37%	65.94%	59.37%	-1,336 bps
Non-Interest Burden	2.67%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	1.75%	1.79%	1.60%	1.64%	2.29%	+54 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	17.32%	17.29%	16.47%	16.70%	16.22%	-110 bps
Equity / Assets	11.70%	11.74%	11.27%	11.79%	11.07%	-63 bps
Liquidity & Funding
Loans / Deposits	80.62%	77.14%	79.21%	76.61%	82.17%	+155 bps
Liquid Assets / Assets	2.69%	5.01%	9.45%	0.82%	6.30%	+361 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a