Q1 Q2 Q3 Q4Team

Chairman & Chief Executive Officer Daniel R. Sheehan, 44

President & Chief Operating Officer Abel L. Iglesias, 56

EVP & Chief Financial Officer Mary Usategui, 34

EVP & Chief Risk Officer Luis Castillo, 49

EVP & Chief Information Officer Ryan L. Gorney, 38

September 30, 2019 myprobank.com

Headquarters

Coral Gables 396 Alhambra Circle, Suite 255 Coral Gables, FL 33134

Branch Locations Boca Raton 980 N, Federal Hwy, Suite 100 Boca Raton, FL 33432

Coral Gables 396 Alhambra Circle, Suite 150 Coral Gables, FL 33134

Dadeland 9150 S. Dadeland Blvd, Suite 104 Miami, FL 33156

Palm Beach Gardens 5100 PGA Boulevard, Suite 101 Palm Beach Gardens, FL 33418

South Miami 1518 San Ignacio Avenue Coral Gables, FL 33146

Loan Production Offices

Doral 9690 NW 41st St, Unit 1 Doral, FL 33178

Ft. Lauderdale 888 East Las Olas Boulevard, Suite 201 Ft. Lauderdale, FL 33301

Wellington 12008 South Shore Blvd, Suite 108 Wellington, FL 33414

West Palm Beach 625 North Flagler Drive, Suite 509 West Palm Beach, FL 33401

Digital Innovation Center Cleveland, Ohio 30400 Detroit Rd, Suite 309 Westlake, OH 44145

Total Assets

$962,817

Snapshot

$ in thousands

9/30/2019

⏶36.45% $705,606

Q3 Sep

temb

er 30, 2019 m

yprob

ank.com

Variance 9/30/2018

Deposits

$825,576 ⏶36.25% $605,927

Total Gross Loans

$771,895 ⏶30.10% $593,302

Loans/Deposits 93.5% Reserves/NPLs 415%

ROAA 0.31% Reserves/Loans 0.84%

ROAE 5.43% TCE/TA 8.00%

Net Interest Margin 3.37 Leverage Ratio 8.33%

Efficiency Ratio 83.05 Tier 1 Capital Ratio 11.32%

NPAs/Assets 0.20% Total Capital Ratio 12.36%

NPA/Loans & OREO 0.16%

Balance Sheet

$ in thousands

Assets

Q3 Sep

temb

er 30, 2019 m

yprob

ank.com

2019 2018 Variance

Total Cash $130,496 $76,471 $54,025

Total Securities 28,460 20,514 7,946

Gross Loans 771,895 593,302 178,593

Loans, Net 764,663 587,563 177,100

Total Other Assets 39,198 21,058 18,140

Total Assets $962,817 $705,606 $257,211

2019 2018 Variance

Total Deposits $825,576 $605,927 $219,649

Total Liabilities 855,854 648,175 237,679

Total Stockholder’s Equity 76,963 57,431 19,532

Total Liabilities & Stockholders’ Equity $962,817 $705,606 $257,211

Liabilities & Stockholders’ Equity

2015-2018 Compound Annual Growth Rate

12/31/2015 12/31/2016 12/31/2017 12/31/2018 CAGR (3 Years)

Loans $248,482 $324,182 $470,058 $607,461 34.71%

Deposits 263,169 330,373 473,800 623,059 33.28%

Assets 301,838 384,586 546,972 729,481 34.20%

NPAs/Assets - - - - -

Net Income (Pre-Tax, Pre-Provision) 2,285 3,261 4,927 4,823 28.28%

Loans Deposits Assets

Loan Mix Composition / Comparison

$ in thousandsQ

3 Septem

ber 30, 20

19 myp

roban

k.com

2019 2018

C&I $112,919 14.63% $94,919 16.00%

Commercial RE 240,516 31.16% 163,255 27.52%

1-4 Family 323,629 41.93% 282,679 47.65%

Home Equity Loans 25,191 3.26% 18,925 3.19%

Construction 37,925 4.91% 17,015 2.87%

Multi-Family 22,118 2,87% 12,158 2.05%

Land 143 0.02% 518 0.09%

Other 7,899 1.02% 3,833 0.65%

Non-Accrual 1,555 0.20% - 0.00%

Gross Loans $771,895 100% $593,302 100%

Supplemental Balance Sheet Data

Other Assets$39,198

Securities$28,460

Cash$130,496

Loans, Net$764,663

Total Assets

$962,817 2019

Other Assets$21,058

Securities$20,514

Cash$76,471

Loans, Net$587,563

Total Assets

$705,606 2018

Deposit Mix Composition / Comparison 2019 2018

Demand Deposits $190,438 23.08% $146,301 24.14%

MMK, NOW & IOTA 512,966 62.13% 372,412 61.47%

Savings Accounts 10,189 1.23% 2,392 0.39%

Time Deposits 111,983 13.56% 84,822 14.00%

Total Deposits $825,576 100% $605,972 100%