Fort Lauderdale, FL · Cert 21793
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.68% | -0.64% | -19.88% | 3.85% | -3.81% | -1.08% | -3.53% | -4.94% | -879 bps | |
| Return on Equity | -62.47% | -11.08% | -592% | 192.50% | -134.67% | -46.02% | -176.48% | -455% | -64,751 bps | |
| Net Interest Margin | 2.61% | 2.66% | 2.48% | 2.55% | 2.00% | 2.10% | 2.12% | 2.15% | -40 bps | |
| Efficiency Ratio | 102.92% | 163.23% | 169.51% | 43.05% | 121.01% | 114.71% | 123.44% | 148.78% | +10,573 bps | |
| Non-Interest Burden | 2.75% | 3.95% | 3.90% | -1.37% | 2.65% | 2.52% | 2.75% | 3.34% | +471 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.11% | -16.33% | -14.92% | -12.81% | -15.37% | -16.08% | -13.19% | -20.26% | -746 bps | |
| Loan Growth (YoY) | -9.67% | -13.43% | -14.88% | -0.27% | -12.54% | -16.36% | -22.33% | -25.34% | -2,507 bps | |
| Deposit Growth (YoY) | -7.41% | -16.49% | -13.22% | -12.08% | -14.91% | -16.18% | -16.77% | -21.22% | -914 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 | -0.01% | 0.72% | 0.53% | 0.12% | 1.19% | 1.88% | 9.19% | 0.02% | -11 bps | |
| Allowance / Loans | 0.34% | 0.41% | 5.56% | 5.38% | 6.78% | 7.23% | 6.86% | 8.44% | +306 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 7.85% | 8.20% | 1.83% | 5.10% | 5.11% | 5.08% | 3.97% | 1.75% | -335 bps | |
| Equity / Assets | 5.53% | 5.96% | 0.65% | 3.29% | 2.33% | 2.38% | 1.61% | 0.53% | -276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.97% | 84.44% | 81.07% | 82.17% | 82.20% | 84.26% | 75.65% | 77.88% | -429 bps | |
| Liquid Assets / Assets | 1.54% | 1.87% | 2.08% | 0.40% | 0.15% | 0.02% | 0.47% | 0.53% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |