Palm Beach Gardens, FL · Cert 33848
FDIC · 1 branch
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Palm Beach Gardens, FL · Cert 33848
FDIC · 1 branch
Q2 2015
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2015 SOD (annual) · 0.0% share · #96 of 105 inst. · $0.0B of $207.5B
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.49% | -2.35% | -1.89% | -1.68% | -1.61% | -1.69% | -2.44% | -2.65% | -96 bps | |
| Return on Equity | -30.53% | -30.20% | -28.38% | -23.66% | -22.00% | -22.50% | -28.19% | -30.72% | -705 bps | |
| Net Interest Margin | 1.19% | 1.27% | 1.29% | 1.19% | 1.07% | 1.01% | 0.74% | 0.80% | -39 bps | |
| Efficiency Ratio | n/a | 1347% | 217% | 203% | 220% | 229% | 327% | 332% | +12,897 bps | |
| Non-Interest Burden | 4.18% | 4.04% | 3.16% | 2.84% | 2.82% | 2.82% | 3.14% | 3.48% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.42% | -5.97% | -5.16% | -1.58% | 0.27% | -3.99% | -11.84% | -17.70% | -1,613 bps | |
| Loan Growth (YoY) | 15.48% | -5.97% | -12.28% | -18.47% | -27.19% | -31.89% | -12.81% | -32.73% | -1,426 bps | |
| Deposit Growth (YoY) | 1.40% | -1.53% | -2.76% | -3.72% | -0.90% | -6.66% | -13.66% | -18.48% | -1,477 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.38% | 1.30% | 1.64% | 1.65% | 1.89% | 1.91% | 1.88% | 2.46% | +80 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 | 8.78% | 8.91% | n/a | |
| Total Risk-Based Capital | 28.32% | 28.56% | 29.74% | 29.96% | 30.47% | 28.53% | 28.24% | 31.77% | +181 bps | |
| Equity / Assets | 7.05% | 6.15% | 7.18% | 8.02% | 7.87% | 8.43% | 8.88% | 8.56% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 17.79% | 18.57% | 14.56% | 14.82% | 13.07% | 13.55% | 14.70% | 12.23% | -259 bps | |
| Liquid Assets / Assets | 19.23% | 20.25% | 30.27% | 33.58% | 47.92% | 47.81% | 49.78% | 55.18% | +2,160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |