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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.34% | 1.87% | 2.87% | 2.54% | 2.42% | 2.04% | 2.41% | 2.38% | -16 bps | |
| Return on Equity | 14.10% | 11.33% | 17.12% | 14.89% | 14.02% | 11.44% | 13.33% | 13.05% | -183 bps | |
| Net Interest Margin | 3.43% | 3.38% | 3.37% | 3.39% | 3.51% | 3.77% | 3.88% | 3.78% | +39 bps | |
| Efficiency Ratio | 47.05% | 48.44% | 42.56% | 44.09% | 44.20% | 48.16% | 43.78% | 42.36% | -173 bps | |
| Non-Interest Burden | 1.39% | 1.50% | 0.98% | 1.14% | 1.27% | 1.76% | 1.48% | 1.42% | +27 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 | -0.06% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.04% | 0.02% | +3 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 |