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SAFE & SOUND® STAR RATINGS

BANCO DO BRASIL AMERICAS

800 BRICKELL AVE.
MIAMI, Florida 33131

STAR RATING: 5 starstarstarstarstar G
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 110936




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$259,684$153,666$84,361
Loans Receivable, Net111,27351,99418,179
Mortgage-Backed Securities30,43716,34711,141
Investments14,21214,71325,758
Deposits203,349112,00645,370
Borrowings000
Equity54,50040,35238,235
Net Interest Income4,8411,8721,863
Fee Income4507239
Overhead22,62113,4488,309
Net Operating Income7,496-3,468-17,312
Net Income7,496-3,468-17,312
Ratio Analysis Profitability%%%
Return on Assets *3.40-3.28-17.27
Operating Return on Assets *3.40-3.28-17.27
Return on Equity *16.38-9.20-45.28
Net Interest Margin *2.922.062.37
Fee Income / Assets *0.200.070.04
Overhead / Assets *10.2512.738.29
Efficiency Ratio72.82129.31-101.37
Asset Quality%%%
Nonperforming Assets / Assets0.520.793.01
Nonperforming Assets / Equity & Loss Reserves2.382.946.55
Loss Reserves / Nonperforming Loans8733.3343300.00n/a
1-4 Fam Mtg + MBS / Assets34.4829.0622.14
Commercial Real Estate Loans / Assets16.5812.3710.35
Construction Loans / Assets0.000.000.05
Commercial & Industrial Loans / Assets2.512.532.27
Consumer Loans / Assets1.691.080.53
Capitalization%%%
Equity / Assets20.9926.2645.32
Tangible Capital / Tangible Assets17.6520.8437.53
Risk-based Capital Ratio44.4252.7296.23
Liquidity%%%
Loans / Deposits54.7246.4240.07
Non-Interest Bearing Deposits / Deposits69.0064.3119.49
Purchased Liabilities5.015.129.04

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