Davie, FL · Cert 26713
FDIC · 5 branches
Q2 2016
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2016 SOD (annual) · 0.1% share · #55 of 101 inst. · $0.3B of $225.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.57% | 1.86% | 1.35% | 0.73% | +18 bps | |
| Return on Equity | 5.35% | 5.37% | 17.49% | 12.45% | 6.56% | +121 bps | |
| Net Interest Margin | 3.59% | 3.54% | 3.56% | 3.83% | 3.88% | +29 bps | |
| Efficiency Ratio | 86.78% | 86.80% | 85.38% | 109.79% | 83.69% | -310 bps | |
| Non-Interest Burden | 3.04% | 2.98% | 2.96% | 4.29% | 3.15% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.69% | -2.02% | 1.28% | 2.43% | 3.47% | +616 bps | |
| Loan Growth (YoY) | 1.19% | 1.83% | 4.62% | 5.17% | 7.68% | +649 bps | |
| Deposit Growth (YoY) | -6.02% | -5.85% | 0.66% | -0.54% | 2.20% | +823 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.12% | 0.20% | -0.04% | -0.02% | -4 bps | |
| Allowance / Loans | 2.70% | 2.71% | 2.57% | 2.47% | 2.45% | -25 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.49% | 10.84% | 10.92% | 11.25% | 11.22% | +73 bps | |
| Total Risk-Based Capital | 14.39% | 14.57% | 14.70% | 14.80% | 14.85% | +46 bps | |
| Equity / Assets | 10.44% | 10.66% | 10.59% | 11.09% | 11.25% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.58% | 89.74% | 93.47% | 95.24% | 94.38% | +480 bps | |
| Liquid Assets / Assets | 8.78% | 9.60% | 10.12% | 6.59% | 6.52% | -225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |