New Traditions National Bank

Maitland, FL · Cert 58822

FDIC · 3 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Maitland, FL · Cert 58822

FDIC · 3 branches

Q1 2015

$529.9MAssets

$350.4MLoans

$469.2MDeposits

$58.8MEquity

Loan mix

Deposit mix

Market Position · Orlando-Kissimmee-Sanford, FL · 2014 SOD (annual) · 1.1% share · #13 of 45 inst. · $0.5B of $40.8B

1.5% Orange

0.8% Seminole

Earnings: ROA of -0.69%, down 140 bps year over year; NIM at 3.33%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
Capital: tier 1 leverage ratio of 10.96%.
Funding: loans stand at 74.69% of deposits as of Q1 2015.

Return on Assets (YTD, annualized)

-0.69%-140 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+40 bps YoY

Efficiency Ratio (YTD, annualized)

126.83%+7,633 bps YoY

Tier 1 Leverage Ratio

10.96%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2013	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	Q1 2015	YoY Δ	Trend
Earnings
Return on Assets	0.66%	0.69%	0.04%	0.71%	0.74%	0.85%	0.94%	-0.69%	-140 bps
Return on Equity	7.07%	7.46%	0.41%	7.11%	7.34%	8.33%	8.98%	-6.17%	-1,328 bps
Net Interest Margin	2.44%	2.41%	0.44%	2.93%	3.11%	3.20%	3.09%	3.33%	+40 bps
Efficiency Ratio	57.76%	56.37%	71.27%	50.50%	47.60%	45.04%	43.44%	126.83%	+7,633 bps
Non-Interest Burden	1.34%	1.29%	0.32%	1.52%	1.51%	1.46%	1.36%	4.36%	+285 bps
Growth
Asset Growth (YoY)	5.35%	13.48%	7.44%	6.37%	8.36%	1.20%	-0.30%	0.17%	-621 bps
Loan Growth (YoY)	15.70%	19.13%	22.17%	22.80%	20.42%	15.60%	9.28%	6.56%	-1,625 bps
Deposit Growth (YoY)	13.26%	17.20%	6.39%	5.19%	7.04%	-0.57%	-1.45%	-1.15%	-634 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.02%	0.01%	0.00%	0.00%	0.13%	0.08%	0.05%	-0.01%	-1 bps
Allowance / Loans	1.61%	1.48%	0.09%	0.17%	0.29%	0.31%	0.32%	0.32%	+15 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	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	10.96%	n/a	n/a
Total Risk-Based Capital	16.32%	15.43%	13.05%	13.43%	13.97%	13.87%	14.25%	15.28%	+185 bps
Equity / Assets	9.59%	9.07%	10.15%	9.93%	10.35%	10.55%	11.23%	11.09%	+116 bps
Liquidity & Funding
Loans / Deposits	63.43%	63.19%	70.35%	69.29%	71.36%	73.47%	78.00%	74.69%	+540 bps
Liquid Assets / Assets	38.80%	35.97%	27.49%	26.34%	26.31%	24.44%	23.41%	28.15%	+181 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a