Coral Gables, FL · Cert 32212
FDIC · 8 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Coral Gables, FL · Cert 32212
FDIC · 8 branches
Q4 2017
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 0.4% share · #30 of 99 inst. · $0.8B of $231.7B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.23% | -0.03% | 0.11% | 0.28% | 0.21% | 0.20% | 0.27% | +16 bps | |
| Return on Equity | -2.88% | -2.73% | -0.36% | 1.30% | 3.21% | 2.40% | 2.27% | 3.05% | +176 bps | |
| Net Interest Margin | 3.11% | 3.29% | 3.31% | 3.30% | 3.18% | 3.13% | 3.12% | 3.10% | -20 bps | |
| Efficiency Ratio | 107.15% | 106.36% | 100.82% | 97.05% | 90.14% | 91.42% | 91.36% | 90.87% | -618 bps | |
| Non-Interest Burden | 3.36% | 3.52% | 3.34% | 3.18% | 2.81% | 2.82% | 2.82% | 2.78% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.87% | 3.49% | 4.12% | 3.50% | -1.54% | -3.40% | -1.05% | -0.86% | -436 bps | |
| Loan Growth (YoY) | 3.71% | 3.21% | 2.80% | 2.62% | -1.16% | -2.11% | 1.12% | -0.09% | -271 bps | |
| Deposit Growth (YoY) | -5.99% | -6.64% | -10.21% | -7.19% | -8.17% | 1.53% | 3.08% | 4.49% | +1,169 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.56% | 0.62% | 0.68% | 0.76% | +76 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.08% | -0.12% | -0.09% | 0.01% | -0.03% | -0.04% | -0.04% | +5 bps | |
| Allowance / Loans | 1.35% | 1.39% | 1.45% | 1.43% | 1.46% | 1.49% | 1.47% | 1.47% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.6x | 2.4x | 2.2x | 1.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.46% | 8.47% | 8.55% | 8.77% | 8.85% | 9.02% | 9.02% | 9.02% | +25 bps | |
| Total Risk-Based Capital | 13.10% | 13.16% | 13.15% | 13.03% | 13.06% | 13.34% | 13.60% | 13.64% | +61 bps | |
| Equity / Assets | 8.33% | 8.45% | 8.59% | 8.73% | 8.81% | 9.10% | 8.99% | 9.14% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 127.61% | 136.34% | 140.32% | 146.99% | 137.36% | 131.45% | 137.65% | 140.54% | -645 bps | |
| Liquid Assets / Assets | 5.83% | 4.97% | 5.86% | 5.77% | 7.98% | 6.76% | 6.53% | 5.75% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |