Homestead, FL · Cert 21258
FDIC · 11 branches
Q4 2015
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2015 SOD (annual) · 0.2% share · #45 of 105 inst. · $0.3B of $207.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.72% | 0.68% | 0.19% | -0.10% | -73 bps | |
| Return on Equity | 6.67% | 7.44% | 7.15% | 1.98% | -1.03% | -770 bps | |
| Net Interest Margin | 4.02% | 3.87% | 3.78% | 3.80% | 3.85% | -16 bps | |
| Efficiency Ratio | 85.07% | 76.95% | 80.52% | 78.76% | 102.13% | +1,706 bps | |
| Non-Interest Burden | 3.37% | 2.78% | 2.90% | 2.84% | 3.90% | +53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.77% | -1.19% | 1.50% | 2.46% | 4.91% | +568 bps | |
| Loan Growth (YoY) | 4.64% | 2.58% | -0.26% | 0.20% | -3.15% | -779 bps | |
| Deposit Growth (YoY) | -1.43% | -1.95% | 1.19% | 2.06% | 5.12% | +655 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.46% | 0.00% | 0.72% | 1.04% | -0.11% | -57 bps | |
| Allowance / Loans | 1.48% | 1.60% | 1.51% | 1.53% | 1.56% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 8.90% | 8.81% | 8.75% | 8.72% | n/a | |
| Total Risk-Based Capital | 11.90% | 12.61% | 12.89% | 13.31% | 13.37% | +147 bps | |
| Equity / Assets | 9.72% | 9.58% | 9.38% | 9.62% | 9.55% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.24% | 79.95% | 75.91% | 76.48% | 76.70% | -654 bps | |
| Liquid Assets / Assets | 4.11% | 8.37% | 9.78% | 10.67% | 11.98% | +787 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |