Miami, FL · Cert 20711
FDIC · 3 branches
Q3 2020
Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2020 SOD (annual) · 0.2% share · #46 of 84 inst. · $0.4B of $277.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.55% | 0.40% | 0.05% | 0.68% | +50 bps | |
| Return on Equity | 1.65% | 4.95% | 3.65% | 0.50% | 6.70% | +505 bps | |
| Net Interest Margin | 3.55% | 3.31% | 3.09% | 2.70% | 2.66% | -89 bps | |
| Efficiency Ratio | 90.59% | 84.92% | 82.46% | 83.15% | 82.31% | -827 bps | |
| Non-Interest Burden | 3.17% | 2.74% | 2.49% | 2.21% | 2.14% | -103 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.96% | 10.47% | 8.24% | 14.73% | 9.62% | -35 bps | |
| Loan Growth (YoY) | 9.60% | 3.62% | -1.44% | -6.72% | -10.04% | -1,964 bps | |
| Deposit Growth (YoY) | 4.14% | 7.99% | 7.22% | 15.47% | 9.89% | +575 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.17% | 0.20% | 0.21% | 0.21% | -28 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | -17 bps | |
| Allowance / Loans | 1.29% | 1.30% | 1.36% | 1.54% | 1.45% | +16 bps | |
| Allowance Coverage of NPLs | 2.6x | 7.9x | 6.7x | 7.5x | 6.8x | +4.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.13% | 10.94% | 10.77% | 10.14% | 10.28% | -85 bps | |
| Total Risk-Based Capital | 16.95% | 17.54% | 17.45% | 17.36% | 18.21% | +126 bps | |
| Equity / Assets | 11.08% | 11.17% | 10.64% | 9.98% | 10.36% | -72 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.68% | 95.19% | 88.81% | 80.59% | 79.96% | -1,771 bps | |
| Liquid Assets / Assets | 5.62% | 5.32% | 9.81% | 13.26% | 15.14% | +952 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |