SAFE & SOUND® STAR RATINGS

Financial statement

BANCO DO BRASIL AMERICAS
800 BRICKELL AVE. SUITE 103
MIAMI, Florida 33131

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 110936




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$152,988$153,666$84,361
Loans Receivable, Net69,08151,99418,179
Mortgage-Backed Securities21,42016,34711,141
Investments9,30714,71325,758
Deposits110,602112,00645,370
Borrowings000
Equity40,39140,35238,235
Net Interest Income9101,8721,863
Fee Income397239
Overhead4,39713,4488,309
Net Operating Income61-3,468-17,312
Net Income61-3,468-17,312
Ratio Analysis Profitability%%%
Return on Assets *-1.30-3.28-17.27
Operating Return on Assets *-1.30-3.28-17.27
Return on Equity *-4.21-9.20-45.28
Net Interest Margin *2.262.062.37
Fee Income / Assets *0.080.070.04
Overhead / Assets *12.3412.738.29
Efficiency Ratio98.41129.31-101.37
Asset Quality%%%
Nonperforming Assets / Assets0.790.793.01
Nonperforming Assets / Equity & Loss Reserves2.942.946.55
Loss Reserves / Nonperforming Loans15216.6743300.00n/a
1-4 Fam Mtg + MBS / Assets36.0029.0622.14
Commercial Real Estate Loans / Assets19.1012.3710.35
Construction Loans / Assets0.000.000.05
Commercial & Industrial Loans / Assets3.132.532.27
Consumer Loans / Assets1.521.080.53
Capitalization%%%
Equity / Assets26.4026.2645.32
Tangible Capital / Tangible Assets20.9720.8437.53
Risk-based Capital Ratio49.2552.7296.23
Liquidity%%%
Loans / Deposits62.4646.4240.07
Non-Interest Bearing Deposits / Deposits59.4964.3119.49
Purchased Liabilities7.445.129.04

* Calculations are based on the latest four quarters of income and expense.
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