Fort Lauderdale, FL · Cert 34832
FDIC · 6 branches
Q4 2016
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2016 SOD (annual) · 0.1% share · #50 of 101 inst. · $0.3B 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 0.36% | 0.23% | 0.49% | 0.67% | -66 bps | |
| Return on Equity | 10.30% | 2.71% | 1.77% | 3.86% | 5.23% | -507 bps | |
| Net Interest Margin | 4.31% | 3.74% | 3.79% | 3.69% | 3.67% | -64 bps | |
| Efficiency Ratio | 54.32% | 65.62% | 61.67% | 60.74% | 58.87% | +455 bps | |
| Non-Interest Burden | 2.24% | 2.42% | 2.30% | 2.20% | 2.09% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.92% | 11.86% | 2.20% | 18.32% | 3.92% | -799 bps | |
| Loan Growth (YoY) | 2.32% | 7.01% | 1.48% | 4.12% | 6.37% | +404 bps | |
| Deposit Growth (YoY) | 14.02% | 14.51% | 2.66% | 24.11% | 5.21% | -881 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.30% | -0.02% | 0.65% | 0.37% | 0.16% | -14 bps | |
| Allowance / Loans | 1.67% | 1.83% | 1.96% | 1.94% | 2.11% | +44 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.37% | 13.62% | 13.06% | 12.90% | 13.16% | -21 bps | |
| Total Risk-Based Capital | 17.84% | 17.64% | 17.19% | 17.52% | 18.22% | +38 bps | |
| Equity / Assets | 13.42% | 12.88% | 12.77% | 11.60% | 13.88% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.55% | 100.99% | 101.10% | 90.35% | 107.73% | +117 bps | |
| Liquid Assets / Assets | 12.97% | 15.52% | 13.59% | 22.87% | 11.26% | -171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |