Boynton Beach, FL · Cert 33925
FDIC · 3 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 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.
Boynton Beach, FL · Cert 33925
FDIC · 3 branches
Q1 2017
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2016 SOD (annual) · 0.0% share · #78 of 101 inst. · $0.1B of $225.9B
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.14% | 0.20% | 0.45% | 0.64% | 0.73% | 0.56% | 0.45% | 0 bps | |
| Return on Equity | 0.28% | 1.82% | 2.55% | 5.43% | 7.57% | 8.55% | 6.57% | 5.15% | -28 bps | |
| Net Interest Margin | 2.24% | 2.27% | 2.33% | 2.62% | 2.60% | 2.71% | 2.66% | 2.88% | +26 bps | |
| Efficiency Ratio | 99.33% | 96.66% | 95.70% | 93.41% | 95.50% | 89.62% | 91.89% | 88.96% | -445 bps | |
| Non-Interest Burden | 2.21% | 2.12% | 2.14% | 2.33% | 2.42% | 2.23% | 2.27% | 2.40% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | -2.13% | -2.79% | 1.20% | -4.44% | 0.92% | 2.36% | 1.00% | -20 bps | |
| Loan Growth (YoY) | 2.39% | 13.40% | 17.57% | 30.99% | 30.55% | 37.01% | 31.40% | 20.46% | -1,053 bps | |
| Deposit Growth (YoY) | -1.80% | -3.62% | -3.14% | -2.01% | -3.99% | 0.32% | 0.45% | 0.49% | +250 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 | -0.71% | -0.47% | -0.36% | -0.41% | -0.43% | -0.28% | -0.21% | -0.02% | +39 bps | |
| Allowance / Loans | 1.16% | 1.13% | 1.05% | 0.97% | 0.72% | 0.72% | 0.74% | 0.76% | -21 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 | 7.83% | 7.95% | 8.09% | 8.23% | 8.47% | 8.84% | 8.33% | 8.64% | +40 bps | |
| Total Risk-Based Capital | 31.45% | 32.59% | 30.47% | 29.06% | 27.89% | 26.48% | 25.03% | 25.38% | -369 bps | |
| Equity / Assets | 7.76% | 8.10% | 8.31% | 8.22% | 8.70% | 8.71% | 8.73% | 8.68% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.19% | 53.71% | 57.76% | 62.30% | 69.62% | 73.36% | 75.55% | 74.68% | +1,238 bps | |
| Liquid Assets / Assets | 52.49% | 50.04% | 45.82% | 43.39% | 36.00% | 32.81% | 30.53% | 32.40% | -1,100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |