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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.51% | 0.92% | 0.62% | 0.62% | 0.50% | 2.14% | 1.54% | +92 bps | |
| Return on Equity | 6.78% | 6.38% | 10.02% | 6.57% | 6.48% | 5.17% | 20.74% | 15.04% | +846 bps | |
| Net Interest Margin | 3.40% | 3.43% | 3.07% | 3.20% | 3.55% | 3.51% | 3.10% | 2.94% | -26 bps | |
| Efficiency Ratio | 87.50% | 89.14% | 123.81% | 107.29% | 99.10% | 98.47% | 103.10% | 103.31% | -398 bps | |
| Non-Interest Burden | 2.81% | 2.93% | 3.79% | 3.45% | 3.52% | 3.45% | 3.20% | 3.04% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.59% | -15.59% | -9.93% | -5.11% | -4.87% | -3.74% | -4.83% | 3.17% | +828 bps | |
| Loan Growth (YoY) | -21.75% | -24.17% | -21.90% | -16.82% | -10.18% | -4.99% | -8.20% | -13.41% | +341 bps | |
| Deposit Growth (YoY) | -14.37% | -14.21% | -6.48% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.95% | 0.63% | -0.13% | 0.00% | -0.27% | -0.23% | -0.09% | -1.00% | -100 bps | |
| Allowance / Loans | 2.89% | 3.20% | 2.59% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 10.71% | 10.50% | n/a | |
| Total Risk-Based Capital | 13.53% | 14.25% | 14.52% | 14.81% | 15.31% | 15.40% | 16.30% | 17.43% | +262 bps | |
| Equity / Assets | 9.03% | 9.15% | 9.21% | 9.78% | 10.10% | 10.14% | 10.45% | 10.15% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.19% | 69.42% | 66.42% | 69.22% | 69.19% | 68.80% | 64.58% | 58.10% | -1,112 bps | |
| Liquid Assets / Assets | 11.77% | 12.13% | 14.74% | 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 | n/a | n/a | n/a |