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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.64% | 0.73% | 0.56% | 0.45% | 0 bps | |
| Return on Equity | 5.43% | 7.57% | 8.55% | 6.57% | 5.15% | -28 bps | |
| Net Interest Margin | 2.62% | 2.60% | 2.71% | 2.66% | 2.88% | +26 bps | |
| Efficiency Ratio | 93.41% | 95.50% | 89.62% | 91.89% | 88.96% | -445 bps | |
| Non-Interest Burden | 2.33% | 2.42% | 2.23% | 2.27% | 2.40% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.20% | -4.44% | 0.92% | 2.36% | 1.00% | -20 bps | |
| Loan Growth (YoY) | 30.99% | 30.55% | 37.01% | 31.40% | 20.46% | -1,053 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.41% | -0.43% | -0.28% | -0.21% | -0.02% | +39 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.23% | 8.47% | 8.84% | 8.33% | 8.64% | +40 bps | |
| Total Risk-Based Capital | 29.06% | 27.89% | 26.48% | 25.03% | 25.38% | -369 bps | |
| Equity / Assets | 8.22% | 8.70% | 8.71% | 8.73% | 8.68% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.30% | 69.62% | 73.36% | 75.55% | 74.68% | +1,238 bps | |
| Liquid Assets / Assets | 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 |