Coral Gables, FL · Cert 34182
FDIC · 5 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Coral Gables, FL · Cert 34182
FDIC · 5 branches
Q2 2014
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2014 SOD (annual) · 0.1% share · #71 of 106 inst. · $0.2B of $187.0B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.67% | -1.86% | -0.45% | -0.52% | -0.80% | -0.85% | -0.93% | -1.24% | -72 bps | |
| Return on Equity | -7.18% | -20.14% | -4.96% | -5.82% | -9.10% | -9.70% | -10.56% | -14.14% | -832 bps | |
| Net Interest Margin | 3.36% | 3.50% | 3.08% | 3.01% | 2.92% | 2.84% | 2.93% | 2.74% | -27 bps | |
| Efficiency Ratio | 106.01% | 112.59% | 113.09% | 126.94% | 131.29% | 133.96% | 126.23% | 136.80% | +985 bps | |
| Non-Interest Burden | 3.62% | 4.05% | 3.60% | 4.03% | 4.08% | 4.07% | 3.87% | 4.01% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.88% | -20.03% | -15.68% | -13.66% | -9.28% | -1.06% | -7.61% | -7.71% | +595 bps | |
| Loan Growth (YoY) | -4.14% | -10.90% | -6.81% | -13.34% | -17.59% | -12.68% | -15.43% | -14.23% | -89 bps | |
| Deposit Growth (YoY) | -13.43% | -20.44% | -15.61% | -13.02% | -7.89% | -0.41% | -7.63% | -7.91% | +511 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 | 1.36% | 1.42% | 0.19% | -0.07% | -0.05% | 0.01% | 0.11% | 0.06% | +13 bps | |
| Allowance / Loans | 1.97% | 2.01% | 1.94% | 1.55% | 1.65% | 1.44% | 1.45% | 1.52% | -3 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 | 14.50% | 14.13% | 14.18% | 14.49% | 14.85% | 15.94% | 15.82% | 16.02% | +153 bps | |
| Equity / Assets | 10.14% | 9.15% | 8.88% | 8.55% | 8.73% | 8.66% | 8.98% | 8.65% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.80% | 61.62% | 61.33% | 57.16% | 57.08% | 54.03% | 56.16% | 53.23% | -392 bps | |
| Liquid Assets / Assets | 12.97% | 17.29% | 19.27% | 20.46% | 19.79% | 26.69% | 25.80% | 28.83% | +837 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |