Hallandale, FL · Cert 35050
FDIC · 3 branches
Q3 2019
Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2019 SOD (annual) · 0.1% share · #64 of 89 inst. · $0.2B of $240.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.05% | 1.87% | 3.85% | 1.87% | 2.07% | 2.04% | 2.77% | 2.33% | +47 bps | |
| Return on Equity | 12.27% | 11.33% | 22.91% | 10.59% | 11.56% | 11.44% | 15.30% | 12.56% | +197 bps | |
| Net Interest Margin | 3.32% | 3.38% | 3.35% | 3.30% | 3.74% | 3.77% | 3.94% | 3.65% | +35 bps | |
| Efficiency Ratio | 51.09% | 48.44% | 37.93% | 47.70% | 44.54% | 48.16% | 40.04% | 39.21% | -849 bps | |
| Non-Interest Burden | 1.64% | 1.50% | 0.46% | 1.43% | 1.61% | 1.76% | 1.17% | 1.33% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.55% | 9.42% | 6.63% | 0.42% | 0.62% | -1.24% | 1.67% | 4.45% | +403 bps | |
| Loan Growth (YoY) | 5.82% | 8.86% | 1.74% | 7.23% | 5.62% | 5.92% | 10.07% | 8.30% | +107 bps | |
| Deposit Growth (YoY) | 0.78% | 5.62% | 2.48% | -4.45% | -4.65% | -4.65% | 0.40% | 3.77% | +822 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.26% | 0.61% | 0.36% | 0.33% | 0.28% | 0.26% | 0.25% | 0.23% | -10 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.08% | 0.00% | 0 bps | |
| Allowance / Loans | 1.42% | 1.38% | 1.09% | 1.06% | 1.02% | 1.00% | 0.98% | 0.96% | -10 bps | |
| Allowance Coverage of NPLs | 1.1x | 2.3x | 3.0x | 3.2x | 3.7x | 3.9x | 3.9x | 4.1x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.14% | 16.58% | 17.15% | 17.92% | 18.68% | 17.48% | 18.42% | 18.83% | +91 bps | |
| Total Risk-Based Capital | 24.78% | 24.29% | 25.90% | 25.75% | 25.47% | 24.38% | 25.08% | 25.49% | -26 bps | |
| Equity / Assets | 16.68% | 16.31% | 17.33% | 17.88% | 18.00% | 17.73% | 18.48% | 18.66% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.94% | 90.73% | 91.15% | 95.64% | 102.95% | 100.78% | 99.94% | 99.81% | +417 bps | |
| Liquid Assets / Assets | 20.83% | 20.33% | 20.56% | 17.44% | 16.24% | 14.64% | 14.43% | 15.78% | -166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |