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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.93% | 0.92% | 0.67% | 0.64% | 0.40% | 0.22% | 0.38% | -29 bps | |
| Return on Equity | 7.50% | 8.55% | 8.33% | 6.04% | 5.77% | 3.65% | 2.08% | 3.62% | -242 bps | |
| Net Interest Margin | 3.59% | 3.61% | 3.60% | 3.54% | 3.41% | 3.09% | 2.80% | 2.75% | -79 bps | |
| Efficiency Ratio | 70.87% | 69.92% | 68.97% | 76.15% | 78.28% | 82.46% | 82.79% | 82.63% | +649 bps | |
| Non-Interest Burden | 2.43% | 2.39% | 2.32% | 2.58% | 2.57% | 2.49% | 2.27% | 2.22% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.83% | 9.21% | 6.20% | 9.96% | 10.47% | 8.24% | 14.73% | 9.62% | -35 bps | |
| Loan Growth (YoY) | 11.79% | 14.79% | 12.53% | 9.60% | 3.62% | -1.44% | -6.72% | -10.04% | -1,964 bps | |
| Deposit Growth (YoY) | 1.49% | 3.97% | 0.33% | 4.14% | 7.99% | 7.22% | 15.47% | 9.89% | +575 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.56% | 0.54% | 0.49% | 0.17% | 0.20% | 0.21% | 0.21% | -28 bps | |
| Net Charge-Offs / Loans | 0.04% | -0.01% | 0.00% | 0.05% | 0.04% | 0.00% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.32% | 1.29% | 1.29% | 1.29% | 1.30% | 1.36% | 1.54% | 1.45% | +16 bps | |
| Allowance Coverage of NPLs | 28.3x | 2.3x | 2.4x | 2.6x | 7.9x | 6.7x | 7.5x | 6.8x | +4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 11.26% | 11.27% | 11.13% | 10.94% | 10.77% | 10.14% | 10.28% | -85 bps | |
| Total Risk-Based Capital | 15.93% | 17.25% | 16.88% | 16.95% | 17.54% | 17.45% | 17.36% | 18.21% | +126 bps | |
| Equity / Assets | 10.60% | 11.09% | 11.28% | 11.08% | 11.17% | 10.64% | 9.98% | 10.36% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.21% | 96.61% | 99.76% | 97.68% | 95.19% | 88.81% | 80.59% | 79.96% | -1,771 bps | |
| Liquid Assets / Assets | 0.86% | 4.57% | 2.22% | 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 | n/a | n/a | n/a |