Boca Raton, FL · Cert 27044
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 | -2.44% | 0.18% | -0.79% | 0.20% | 0.04% | 0.55% | 0.38% | 0.77% | +56 bps | |
| Return on Equity | -14.65% | 1.14% | -5.00% | 1.28% | 0.29% | 3.72% | 2.61% | 5.13% | +386 bps | |
| Net Interest Margin | 3.74% | 3.45% | 3.24% | 3.21% | 3.01% | 3.17% | 3.31% | 3.24% | +3 bps | |
| Efficiency Ratio | 102.46% | 108.98% | 89.57% | 97.68% | 106.92% | 116.17% | 109.80% | 99.21% | +153 bps | |
| Non-Interest Burden | 3.88% | 3.81% | 2.89% | 3.15% | 3.27% | 3.56% | 3.63% | 3.23% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.19% | 3.10% | 5.02% | 2.00% | 4.11% | 4.31% | 3.62% | 4.69% | +269 bps | |
| Loan Growth (YoY) | -13.86% | -13.13% | -9.57% | -6.33% | 0.61% | 4.13% | 17.59% | 18.22% | +2,455 bps | |
| Deposit Growth (YoY) | -0.29% | 4.92% | 7.11% | 3.40% | 5.99% | 6.19% | 4.62% | 5.51% | +212 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 | 0.35% | -0.74% | 0.64% | 0.08% | 2.50% | -0.96% | -0.14% | -0.11% | -19 bps | |
| Allowance / Loans | 3.34% | 3.36% | 3.73% | 3.69% | 2.80% | 2.58% | 2.03% | 1.76% | -194 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 | 22.15% | 22.41% | 21.72% | 22.39% | 21.31% | 21.10% | 19.92% | 20.37% | -202 bps | |
| Equity / Assets | 16.32% | 16.09% | 15.57% | 15.75% | 14.94% | 14.82% | 14.72% | 15.08% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.33% | 64.58% | 63.74% | 63.84% | 63.92% | 63.33% | 71.65% | 71.53% | +769 bps | |
| Liquid Assets / Assets | 12.02% | 13.87% | 12.80% | 15.61% | 12.05% | 13.12% | 9.88% | 11.30% | -431 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |