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Nafh National Bank

Miami, FL · Cert 59049

FDIC · 190 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

Nafh National Bank

Miami, FL · Cert 59049

FDIC · 190 branches

Q3 2017

$10.1BAssets
$7.6BLoans
$8.2BDeposits
$1.4BEquity
Loan mix
69%RE $4.2B25%C&I $1.5B6%Consumer $0.4BQ3 2016Q3 2017
Deposit mix
80%Interest-bearing $6.6B20%Noninterest $1.6BQ3 2016Q3 2017

NIM

3.80%Q3 ’153.69%Q3 ’163.82%Q3 ’17-5%+4%

Non-interest income vs. expense

2.72%Q3 ’152.33%Q3 ’162.28%Q3 ’17-13%-10%

Market Position · Raleigh, NC · 2017 SOD (annual) · 4.4% share · #6 of 35 inst. · $1.2B of $27.1B

4.7% Wake
17.9% Monroe
0.3% Miami-Dade
23.0% Randolph

Executive Summary

  • Earnings: ROA of 1.02%, up 12 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.38% of loans (+38 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 10.87%, up 34 bps from a year ago.
  • Funding: loans stand at 92.67% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

1.02%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+14 bps YoY

Efficiency Ratio (YTD, annualized)

55.16%-527 bps YoY

Tier 1 Leverage Ratio

10.87%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.90%0.81%0.90%0.98%1.02%+12 bps
Return on Equity7.06%6.26%6.73%7.28%7.54%+47 bps
Net Interest Margin3.41%2.99%3.54%3.53%3.55%+14 bps
Efficiency Ratio60.44%64.86%59.56%57.07%55.16%-527 bps
Non-Interest Burden1.89%1.77%1.85%1.76%1.70%-19 bps
Growth
Asset Growth (YoY)7.30%33.35%35.03%32.37%30.17%+2,287 bps
Loan Growth (YoY)9.82%31.49%33.31%31.77%28.25%+1,842 bps
Deposit Growth (YoY)8.06%33.64%35.68%37.07%33.00%+2,495 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.33%0.32%0.38%+38 bps
Net Charge-Offs / Loans0.09%0.10%0.14%0.11%0.11%+2 bps
Allowance / Loans0.74%0.58%0.58%0.59%0.60%-14 bps
Allowance Coverage of NPLsn/an/a1.8x1.9x1.6xn/a
Capital
Tier 1 Leverage Ratio10.53%11.23%10.67%10.74%10.87%+34 bps
Total Risk-Based Capital12.70%12.93%12.88%13.06%13.23%+53 bps
Equity / Assets12.42%13.47%13.37%13.62%13.77%+135 bps
Liquidity & Funding
Loans / Deposits96.11%93.01%91.84%92.72%92.67%-344 bps
Liquid Assets / Assets7.47%6.70%5.01%4.75%4.92%-255 bps
CRE / Total Capitaln/an/an/an/an/an/an/a