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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.43% | 0.44% | 0.50% | 0.52% | 0.85% | 1.35% | 1.04% | +54 bps | |
| Return on Equity | 5.99% | 5.45% | 4.42% | 4.89% | 5.05% | 8.24% | 12.45% | 9.48% | +459 bps | |
| Net Interest Margin | 3.59% | 3.55% | 3.39% | 3.50% | 3.55% | 3.46% | 3.83% | 3.82% | +32 bps | |
| Efficiency Ratio | 89.77% | 89.92% | 89.54% | 88.14% | 87.70% | 87.11% | 109.79% | 96.88% | +874 bps | |
| Non-Interest Burden | 3.14% | 3.11% | 2.96% | 3.00% | 3.03% | 2.94% | 4.29% | 3.68% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.98% | 3.90% | -4.17% | -2.69% | -2.02% | 1.28% | 2.43% | 3.47% | +616 bps | |
| Loan Growth (YoY) | -8.54% | -8.67% | -1.43% | 1.19% | 1.83% | 4.62% | 5.17% | 7.68% | +649 bps | |
| Deposit Growth (YoY) | -5.03% | -4.92% | -7.64% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.04% | 0.96% | -0.10% | -0.05% | 0.01% | 0.06% | -0.04% | -0.03% | +1 bps | |
| Allowance / Loans | 2.96% | 2.75% | 2.67% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.31% | 10.49% | 10.84% | 10.92% | 11.25% | 11.22% | +73 bps | |
| Total Risk-Based Capital | 12.02% | 15.32% | 14.19% | 14.39% | 14.57% | 14.70% | 14.80% | 14.85% | +46 bps | |
| Equity / Assets | 7.66% | 9.88% | 10.24% | 10.44% | 10.66% | 10.59% | 11.09% | 11.25% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.97% | 89.93% | 90.07% | 89.58% | 89.74% | 93.47% | 95.24% | 94.38% | +480 bps | |
| Liquid Assets / Assets | 10.85% | 12.40% | 7.95% | 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 | n/a | n/a | n/a |