Miami, FL · Cert 21837
FDIC · 26 branches
Q2 2017
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 1.8% share · #13 of 99 inst. · $4.2B of $231.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.95% | 1.09% | 0.64% | 0.81% | 0.98% | 0.81% | 1.20% | +56 bps | |
| Return on Equity | 5.58% | 8.57% | 10.08% | 5.88% | 7.36% | 9.04% | 7.54% | 10.89% | +502 bps | |
| Net Interest Margin | 3.01% | 3.19% | 3.06% | 2.83% | 3.02% | 2.87% | 2.89% | 2.96% | +13 bps | |
| Efficiency Ratio | 63.21% | 50.45% | 50.47% | 62.47% | 59.29% | 49.80% | 56.78% | 45.94% | -1,653 bps | |
| Non-Interest Burden | 1.86% | 1.55% | 1.15% | 1.73% | 1.75% | 1.37% | 1.60% | 1.30% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.48% | 14.33% | 16.81% | 11.74% | 10.50% | 9.94% | 4.96% | 5.12% | -662 bps | |
| Loan Growth (YoY) | 13.43% | 11.99% | 7.37% | 5.77% | 6.91% | 12.18% | 14.80% | 10.06% | +428 bps | |
| Deposit Growth (YoY) | 12.46% | 13.32% | 16.93% | 11.64% | 9.45% | 6.90% | 0.22% | 1.68% | -996 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.97% | 0.85% | +85 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.08% | -0.04% | -0.02% | 0.05% | -0.13% | -0.04% | -0.14% | -12 bps | |
| Allowance / Loans | 1.24% | 1.22% | 1.29% | 1.27% | 1.18% | 1.07% | 1.05% | 1.00% | -26 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.1x | 1.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.74% | 9.73% | 9.44% | 9.62% | 9.67% | 9.60% | 9.59% | 9.88% | +26 bps | |
| Total Risk-Based Capital | 14.99% | 15.01% | 15.55% | 15.49% | 15.66% | 14.82% | 15.13% | 16.06% | +57 bps | |
| Equity / Assets | 11.24% | 10.84% | 10.71% | 11.08% | 11.03% | 10.62% | 10.80% | 11.27% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.88% | 91.39% | 84.20% | 86.91% | 87.79% | 95.91% | 96.45% | 94.07% | +716 bps | |
| Liquid Assets / Assets | 6.44% | 8.53% | 11.37% | 8.16% | 7.75% | 5.71% | 5.52% | 5.93% | -223 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |