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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.84% | 0.48% | 0.52% | 0.72% | 0.70% | 0.53% | 0.37% | -15 bps | |
| Return on Equity | 6.95% | 9.31% | 5.29% | 5.64% | 7.44% | 7.30% | 5.51% | 3.86% | -178 bps | |
| Net Interest Margin | 3.63% | 3.56% | 3.65% | 3.81% | 3.87% | 3.77% | 3.76% | 3.78% | -4 bps | |
| Efficiency Ratio | 82.31% | 77.71% | 85.64% | 85.51% | 76.95% | 78.72% | 78.73% | 83.79% | -172 bps | |
| Non-Interest Burden | 2.83% | 2.52% | 3.00% | 3.16% | 2.78% | 2.80% | 2.80% | 3.07% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.88% | -2.97% | -4.14% | -0.77% | -1.19% | 1.50% | 2.46% | 4.91% | +568 bps | |
| Loan Growth (YoY) | 0.83% | 4.01% | 1.77% | 4.64% | 2.58% | -0.26% | 0.20% | -3.15% | -779 bps | |
| Deposit Growth (YoY) | 1.13% | 0.66% | -0.24% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.11% | 0.12% | 0.20% | 0.00% | 0.36% | 0.59% | 0.41% | +21 bps | |
| Allowance / Loans | 1.56% | 1.63% | 1.65% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 8.90% | 8.81% | 8.75% | 8.72% | n/a | |
| Total Risk-Based Capital | 11.42% | 11.70% | 11.87% | 11.90% | 12.61% | 12.89% | 13.31% | 13.37% | +147 bps | |
| Equity / Assets | 8.88% | 9.11% | 9.29% | 9.72% | 9.58% | 9.38% | 9.62% | 9.55% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.42% | 77.01% | 77.90% | 83.24% | 79.95% | 75.91% | 76.48% | 76.70% | -654 bps | |
| Liquid Assets / Assets | 9.46% | 8.27% | 7.70% | 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 | n/a | n/a | n/a |