North Palm Beach, FL · Cert 32917
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.07% | 2.12% | 4.15% | -0.80% | 3.28% | -3.65% | 0.67% | -2.70% | -190 bps | |
| Return on Equity | 53.71% | 17.09% | 31.82% | -5.77% | 23.16% | -24.75% | 4.55% | -18.95% | -1,318 bps | |
| Net Interest Margin | 3.22% | 3.04% | 3.49% | 3.63% | 3.04% | 3.20% | 3.44% | 3.22% | -41 bps | |
| Efficiency Ratio | 64.17% | 55.40% | 40.88% | 133.16% | 63.80% | 35.64% | 55.90% | 221% | +8,809 bps | |
| Non-Interest Burden | -2.53% | 0.87% | -1.26% | 4.34% | 1.21% | -0.29% | 1.05% | 5.97% | +163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.80% | -2.50% | -1.14% | 2.69% | 7.92% | -5.55% | 2.30% | -0.38% | -308 bps | |
| Loan Growth (YoY) | -20.89% | -12.19% | -5.98% | 6.94% | 11.13% | 5.84% | 3.91% | 2.97% | -397 bps | |
| Deposit Growth (YoY) | -9.22% | -5.74% | -4.27% | -2.64% | 0.04% | -14.89% | -9.79% | -11.87% | -924 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 | 0.46% | 1.99% | 0.51% | -0.21% | 0.90% | 8.42% | 0.10% | 2.88% | +310 bps | |
| Allowance / Loans | 2.74% | 2.11% | 2.15% | 2.14% | 1.93% | 2.24% | 2.73% | 1.95% | -19 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 | 16.91% | 16.04% | 17.13% | 15.98% | 17.04% | 17.00% | 17.13% | 16.55% | +57 bps | |
| Equity / Assets | 12.26% | 12.53% | 13.55% | 14.06% | 14.24% | 15.30% | 14.16% | 14.29% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.32% | 81.57% | 82.02% | 87.06% | 89.22% | 101.43% | 94.48% | 101.72% | +1,466 bps | |
| Liquid Assets / Assets | 0.40% | 2.74% | 6.76% | 7.98% | 22.22% | 15.23% | 20.13% | 16.22% | +825 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |