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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -0.67% | -0.25% | -0.60% | -1.23% | -0.77% | -0.68% | -0.99% | -39 bps | |
| Return on Equity | -13.69% | -11.50% | -4.39% | -10.78% | -23.43% | -15.89% | -13.56% | -18.29% | -750 bps | |
| Net Interest Margin | 3.00% | 2.80% | 2.98% | 3.11% | 3.29% | 3.14% | 3.02% | 3.04% | -7 bps | |
| Efficiency Ratio | 121.45% | 120.09% | 106.52% | 116.88% | 131.72% | 116.65% | 114.54% | 131.29% | +1,441 bps | |
| Non-Interest Burden | 3.77% | 3.46% | 3.24% | 3.70% | 4.45% | 3.72% | 3.52% | 4.12% | +42 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 | 0.27% | 0.00% | 0.00% | 0.31% | -0.01% | -0.01% | 0.36% | -0.01% | -32 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 |