New Iberia, LA · Cert 28100
FDIC · 192 branches
Q2 2020
Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2020 SOD (annual) · 2.2% share · #11 of 84 inst. · $6.0B of $277.3B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.27% | 1.31% | 1.31% | 1.30% | 1.24% | 0.50% | 0.19% | -112 bps | |
| Return on Equity | 8.50% | 9.80% | 10.11% | 10.05% | 9.94% | 9.46% | 3.74% | 1.48% | -857 bps | |
| Net Interest Margin | 3.48% | 3.50% | 3.42% | 3.40% | 3.36% | 3.27% | 3.03% | 2.81% | -59 bps | |
| Efficiency Ratio | 58.81% | 56.82% | 49.97% | 50.64% | 51.42% | 53.18% | 57.87% | 60.10% | +945 bps | |
| Non-Interest Burden | 1.79% | 1.72% | 1.40% | 1.40% | 1.40% | 1.42% | 1.43% | 1.37% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.66% | 10.47% | 6.08% | 4.40% | 5.40% | 2.85% | 3.13% | 10.27% | +587 bps | |
| Loan Growth (YoY) | 12.29% | 11.94% | 5.87% | 6.27% | 6.90% | 7.10% | 7.15% | 12.07% | +581 bps | |
| Deposit Growth (YoY) | 8.33% | 10.67% | 4.95% | 3.73% | 7.94% | 6.01% | 5.67% | 16.28% | +1,255 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.62% | 0.66% | 0.68% | 0.66% | 0.59% | 0.72% | 0.74% | +6 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.14% | 0.13% | 0.13% | 0.13% | 0.13% | 0.15% | 0.20% | +7 bps | |
| Allowance / Loans | 0.61% | 0.62% | 0.62% | 0.62% | 0.61% | 0.60% | 1.16% | 1.51% | +89 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 0.9x | 0.9x | 0.9x | 1.0x | 1.6x | 2.0x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.60% | 9.38% | 9.47% | 9.55% | 9.49% | 9.69% | 9.82% | 9.07% | -48 bps | |
| Total Risk-Based Capital | 11.89% | 11.58% | 11.63% | 11.70% | 11.57% | 11.76% | 11.94% | 12.07% | +37 bps | |
| Equity / Assets | 12.98% | 12.86% | 13.00% | 13.28% | 13.19% | 13.44% | 13.36% | 12.24% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.03% | 94.48% | 95.21% | 96.28% | 95.10% | 95.45% | 96.55% | 92.80% | -348 bps | |
| Liquid Assets / Assets | 1.32% | 1.96% | 1.89% | 2.21% | 2.41% | 2.49% | 2.62% | 6.31% | +411 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |