Hallandale, FL · Cert 34652
FDIC · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Hallandale, FL · Cert 34652
FDIC · 1 branch
Q2 2021
Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2021 SOD (annual) · 0.0% share · #73 of 83 inst. · $0.0B of $318.3B
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.51% | -1.53% | -2.32% | -2.45% | -2.61% | -3.37% | -4.62% | -4.01% | -156 bps | |
| Return on Equity | -11.15% | -11.50% | -20.04% | -21.79% | -22.56% | -28.77% | -38.52% | -34.34% | -1,255 bps | |
| Net Interest Margin | 2.81% | 2.77% | 2.58% | 2.35% | 2.35% | 2.23% | 1.73% | 2.47% | +12 bps | |
| Efficiency Ratio | 134.80% | 138.62% | 189.73% | 185.79% | 191.01% | 232% | 354% | 262% | +7,633 bps | |
| Non-Interest Burden | 3.84% | 3.89% | 4.96% | 4.46% | 4.79% | 5.55% | 6.30% | 6.59% | +213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.36% | 6.71% | 10.45% | 10.05% | -4.94% | -12.12% | -17.41% | -19.00% | -2,905 bps | |
| Loan Growth (YoY) | 26.92% | 25.46% | 5.44% | -10.17% | -23.99% | -31.83% | -32.23% | -27.91% | -1,774 bps | |
| Deposit Growth (YoY) | 12.15% | 13.41% | 18.74% | 16.50% | -8.47% | -18.28% | -24.20% | -22.70% | -3,920 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 1.35% | 1.64% | 1.69% | 5.69% | 7.48% | 8.79% | 6.57% | +488 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 | 0.91% | 0.92% | 1.00% | 1.34% | 1.48% | 1.65% | 1.82% | 1.86% | +52 bps | |
| Allowance Coverage of NPLs | 1.7x | 0.7x | 0.6x | 0.8x | 0.3x | 0.2x | 0.2x | 0.3x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.52% | 11.70% | 11.41% | 10.34% | 12.27% | 11.39% | 11.25% | 10.99% | +65 bps | |
| Total Risk-Based Capital | 20.75% | 19.94% | 20.28% | 20.30% | 24.00% | 23.14% | 22.84% | 21.47% | +117 bps | |
| Equity / Assets | 12.22% | 12.17% | 11.06% | 10.51% | 12.58% | 12.44% | 11.54% | 11.01% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.58% | 92.83% | 79.90% | 76.83% | 76.89% | 77.44% | 71.43% | 71.65% | -517 bps | |
| Liquid Assets / Assets | 13.29% | 11.15% | 23.12% | 27.41% | 29.10% | 27.32% | 31.47% | 30.82% | +341 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |