Miami, FL · Cert 33872
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.92% | -3.29% | -2.77% | -2.56% | -1.28% | -1.36% | -1.18% | -2.87% | -31 bps | |
| Return on Equity | -25.43% | -29.40% | -25.03% | -24.20% | -12.04% | -12.67% | -10.91% | -26.12% | -192 bps | |
| Net Interest Margin | 3.27% | 3.32% | 3.26% | 3.36% | 3.67% | 3.83% | 3.97% | 3.89% | +54 bps | |
| Efficiency Ratio | 129.06% | 126.97% | 127.65% | 155.98% | 124.77% | 129.55% | 120.84% | 160.68% | +470 bps | |
| Non-Interest Burden | 4.29% | 4.31% | 4.28% | 5.52% | 4.83% | 5.13% | 4.96% | 6.67% | +115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.27% | -4.30% | -9.94% | -18.03% | -15.25% | -19.59% | -17.08% | -11.36% | +666 bps | |
| Loan Growth (YoY) | -16.00% | -15.87% | -11.74% | -18.79% | -9.77% | -7.86% | -14.63% | -8.89% | +990 bps | |
| Deposit Growth (YoY) | -11.41% | -0.19% | -6.62% | -14.03% | -13.93% | -19.50% | -19.39% | -12.06% | +197 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 | 2.31% | 2.43% | 2.62% | -0.02% | -0.02% | -0.03% | 1.20% | -0.02% | 0 bps | |
| Allowance / Loans | 2.19% | 2.87% | 2.35% | 2.71% | 2.61% | 2.67% | 1.89% | 1.95% | -75 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 | 15.73% | 14.77% | 14.66% | 14.85% | 14.61% | 14.44% | 14.68% | 14.23% | -62 bps | |
| Equity / Assets | 11.10% | 10.24% | 10.53% | 10.62% | 10.78% | 11.01% | 11.35% | 10.64% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.65% | 75.66% | 80.53% | 79.13% | 83.49% | 86.60% | 85.29% | 81.99% | +285 bps | |
| Liquid Assets / Assets | 10.17% | 14.32% | 11.24% | 10.19% | 7.20% | 8.02% | 8.54% | 12.66% | +247 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |