Miami, FL · Cert 21220
FDIC · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Miami, FL · Cert 21220
FDIC · 1 branch
Q2 2019
Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2019 SOD (annual) · 0.1% share · #51 of 89 inst. · $0.3B of $240.8B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.31% | -0.25% | -0.42% | -0.69% | -0.71% | -0.68% | -0.82% | -40 bps | |
| Return on Equity | -3.23% | -5.27% | -4.39% | -7.51% | -12.58% | -13.32% | -13.56% | -15.94% | -843 bps | |
| Net Interest Margin | 3.19% | 3.13% | 2.98% | 3.06% | 3.16% | 3.06% | 3.02% | 3.13% | +8 bps | |
| Efficiency Ratio | 104.63% | 108.05% | 106.52% | 111.46% | 118.11% | 117.75% | 114.54% | 122.64% | +1,118 bps | |
| Non-Interest Burden | 3.36% | 3.43% | 3.24% | 3.48% | 3.83% | 3.69% | 3.52% | 3.95% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.12% | -8.47% | -5.22% | -6.53% | -2.96% | 2.17% | -6.91% | -10.37% | -384 bps | |
| Loan Growth (YoY) | -2.01% | -8.34% | -8.57% | -7.84% | 2.10% | 4.55% | 1.57% | -2.81% | +504 bps | |
| Deposit Growth (YoY) | 4.92% | -4.36% | 0.04% | -1.73% | -3.53% | 1.36% | -2.92% | -5.79% | -406 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.35% | 1.77% | 0.55% | 0.95% | 0.91% | 0.69% | 1.76% | 2.30% | +135 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | 0.00% | 0.15% | 0.10% | 0.07% | 0.36% | 0.18% | +3 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 5.82% | 5.74% | 5.91% | 5.82% | 5.56% | 5.15% | 5.27% | 5.40% | -42 bps | |
| Total Risk-Based Capital | 13.22% | 12.98% | 12.68% | 11.75% | 11.06% | 10.32% | 11.12% | 11.58% | -17 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.27% | 90.12% | 87.49% | 90.26% | 90.24% | 92.95% | 91.54% | 93.12% | +286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |