Premier American Bank, National Association

Miami, FL · Cert 58991

FDIC · 50 branches

Q4 2018

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 2018, the quarter ended December 31, 2018, 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.

Miami, FL · Cert 58991

FDIC · 50 branches

Q4 2018

$12.4BAssets

$9.4BLoans

$10.9BDeposits

$1.3BEquity

Loan mix

Deposit mix

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2018 SOD (annual) · 2.1% share · #12 of 92 inst. · $5.0B of $236.2B

3.8% Broward

3.2% Palm Beach

0.9% Miami-Dade

4.7% Collier

Earnings: ROA of 1.52%, up 26 bps year over year; NIM at 2.89%.
Asset quality: problem loans at 0.36% of loans (+15 bps YoY), with net charge-offs at 0.13%.
Capital: tier 1 leverage ratio of 9.55%, up 35 bps from a year ago.
Funding: loans stand at 86.53% of deposits as of Q4 2018.

Return on Assets (YTD, annualized)

1.52%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+3 bps YoY

Efficiency Ratio (YTD, annualized)

37.63%-385 bps YoY

Tier 1 Leverage Ratio

9.55%+35 bps YoY

Year to date, annualized, through each quarter.

Metric	Q1 2017	Q2 2017	Q3 2017	Q4 2017	Q1 2018	Q2 2018	Q3 2018	Q4 2018	YoY Δ	Trend
Earnings
Return on Assets	1.73%	1.62%	1.51%	1.25%	1.55%	1.53%	1.53%	1.52%	+26 bps
Return on Equity	17.46%	16.19%	15.11%	12.59%	15.47%	15.20%	15.20%	14.98%	+239 bps
Net Interest Margin	3.04%	2.96%	2.92%	2.86%	3.03%	2.97%	2.94%	2.89%	+3 bps
Efficiency Ratio	42.74%	42.36%	41.84%	41.48%	40.50%	40.05%	39.14%	37.63%	-385 bps
Non-Interest Burden	1.02%	0.99%	0.98%	0.96%	1.00%	0.99%	0.95%	0.87%	-9 bps
Growth
Asset Growth (YoY)	22.10%	20.74%	19.67%	17.13%	22.28%	23.13%	22.19%	18.39%	+126 bps
Loan Growth (YoY)	22.94%	21.21%	19.51%	20.07%	25.49%	22.66%	24.04%	17.96%	-211 bps
Deposit Growth (YoY)	29.94%	18.96%	17.02%	18.58%	23.63%	28.08%	25.23%	25.43%	+686 bps
Asset Quality
Nonperforming Loans / Loans	0.24%	0.22%	0.28%	0.21%	0.19%	0.21%	0.24%	0.36%	+15 bps
Net Charge-Offs / Loans	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	+13 bps
Allowance / Loans	0.57%	0.57%	0.59%	0.59%	0.57%	0.57%	0.57%	0.54%	-5 bps
Allowance Coverage of NPLs	2.4x	2.6x	2.1x	2.9x	3.0x	2.7x	2.4x	1.5x	-1.4x
Capital
Tier 1 Leverage Ratio	9.32%	9.35%	9.38%	9.19%	9.65%	9.37%	9.49%	9.55%	+35 bps
Total Risk-Based Capital	11.46%	11.43%	11.37%	10.97%	11.06%	11.10%	11.22%	11.61%	+64 bps
Equity / Assets	9.97%	10.06%	10.10%	9.78%	10.23%	10.07%	10.21%	10.30%	+52 bps
Liquidity & Funding
Loans / Deposits	90.35%	94.48%	92.59%	92.01%	91.72%	90.48%	91.72%	86.53%	-548 bps
Liquid Assets / Assets	0.67%	0.38%	0.50%	0.53%	0.74%	1.62%	1.01%	1.36%	+83 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a