West Palm Beach, FL · Cert 34776
FDIC · 3 branches
Q2 2015
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2015 SOD (annual) · 0.1% share · #71 of 105 inst. · $0.2B of $207.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.63% | 0.13% | 2.14% | 0.96% | +66 bps | |
| Return on Equity | 3.18% | 6.29% | 1.29% | 20.74% | 9.37% | +618 bps | |
| Net Interest Margin | 3.23% | 4.08% | 3.22% | 3.10% | 2.91% | -32 bps | |
| Efficiency Ratio | 94.01% | 85.41% | 96.49% | 103.10% | 103.53% | +952 bps | |
| Non-Interest Burden | 3.00% | 3.45% | 3.10% | 3.20% | 3.02% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.11% | -4.87% | -3.74% | -4.83% | 3.17% | +828 bps | |
| Loan Growth (YoY) | -16.82% | -10.18% | -4.99% | -8.20% | -13.41% | +341 bps | |
| Deposit Growth (YoY) | -5.63% | -4.99% | -4.14% | -5.58% | 3.17% | +879 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | -0.82% | -0.08% | -0.09% | -1.89% | -202 bps | |
| Allowance / Loans | 2.60% | 2.85% | 2.89% | 2.22% | 2.35% | -25 bps | |
| Allowance Coverage of NPLs | 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 | 10.71% | 10.50% | n/a | |
| Total Risk-Based Capital | 14.81% | 15.31% | 15.40% | 16.30% | 17.43% | +262 bps | |
| Equity / Assets | 9.78% | 10.10% | 10.14% | 10.45% | 10.15% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.22% | 69.19% | 68.80% | 64.58% | 58.10% | -1,112 bps | |
| Liquid Assets / Assets | 11.80% | 10.91% | 11.97% | 14.74% | 20.12% | +832 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |