Miami, FL · Cert 21468
FDIC · 19 branches
Q1 2018
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 0.9% share · #19 of 99 inst. · $2.1B of $231.7B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.78% | 0.76% | 0.82% | 0.81% | 0.81% | 0.80% | 1.08% | +26 bps | |
| Return on Equity | 4.36% | 4.87% | 4.73% | 5.07% | 4.97% | 4.98% | 4.90% | 6.40% | +133 bps | |
| Net Interest Margin | 2.78% | 2.74% | 2.76% | 2.80% | 2.85% | 2.79% | 2.83% | 3.03% | +23 bps | |
| Efficiency Ratio | 64.53% | 61.39% | 62.93% | 58.15% | 58.83% | 58.60% | 59.47% | 57.33% | -82 bps | |
| Non-Interest Burden | 1.59% | 1.44% | 1.51% | 1.43% | 1.48% | 1.44% | 1.49% | 1.53% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 8.19% | 6.73% | 3.46% | 2.52% | 1.18% | 2.09% | 0.05% | -341 bps | |
| Loan Growth (YoY) | 13.00% | 9.44% | 6.91% | 3.83% | 2.66% | 4.80% | 4.28% | 2.65% | -118 bps | |
| Deposit Growth (YoY) | 7.18% | 10.52% | 7.53% | 4.42% | 2.69% | 0.44% | -0.17% | -2.54% | -696 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.55% | 0.55% | 0.58% | 0.56% | 0.33% | -22 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.02% | -0.02% | -0.01% | -0.01% | -0.12% | -10 bps | |
| Allowance / Loans | 0.92% | 0.93% | 0.89% | 0.86% | 0.83% | 0.82% | 0.83% | 0.83% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.6x | 1.5x | 1.4x | 1.5x | 2.5x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.41% | 11.56% | 11.87% | 12.22% | 12.48% | 12.31% | 12.52% | 13.07% | +85 bps | |
| Total Risk-Based Capital | 16.74% | 17.72% | 18.07% | 18.40% | 18.11% | 18.38% | 18.68% | 19.02% | +62 bps | |
| Equity / Assets | 16.00% | 15.79% | 16.21% | 16.31% | 16.36% | 16.35% | 16.68% | 17.11% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.48% | 96.15% | 99.28% | 98.91% | 101.45% | 100.33% | 103.70% | 104.18% | +527 bps | |
| Liquid Assets / Assets | 6.69% | 8.16% | 6.20% | 6.08% | 4.49% | 5.86% | 5.74% | 4.90% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |