North Palm Beach, FL · Cert 35408
FDIC · 21 branches
Q3 2014
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2014 SOD (annual) · 0.6% share · #21 of 106 inst. · $1.2B of $187.0B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.45% | 0.46% | 0.38% | 0.45% | 0.63% | 0.57% | 0.59% | +20 bps | |
| Return on Equity | 2.60% | 3.25% | 3.32% | 2.84% | 3.44% | 5.26% | 4.62% | 4.64% | +179 bps | |
| Net Interest Margin | 4.35% | 4.32% | 4.64% | 4.22% | 4.32% | 4.30% | 4.30% | 4.27% | +5 bps | |
| Efficiency Ratio | 78.22% | 77.35% | 76.74% | 79.85% | 76.99% | 71.39% | 71.81% | 71.97% | -788 bps | |
| Non-Interest Burden | 3.51% | 3.45% | 3.73% | 3.50% | 3.48% | 3.19% | 3.19% | 3.17% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.15% | 11.31% | -4.12% | 11.47% | 17.92% | 11.58% | 10.15% | -2.02% | -1,349 bps | |
| Loan Growth (YoY) | 3.94% | 7.02% | -0.79% | 20.71% | 24.27% | 25.14% | 22.37% | 5.34% | -1,537 bps | |
| Deposit Growth (YoY) | 8.59% | 9.95% | -4.64% | 8.56% | 18.79% | 9.80% | 7.63% | -1.76% | -1,032 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 | 1.00% | 0.40% | 0.36% | 0.31% | 0.32% | -0.01% | 0.09% | 0.17% | -14 bps | |
| Allowance / Loans | 1.05% | 1.01% | 1.08% | 0.88% | 0.85% | 0.87% | 0.88% | 0.80% | -8 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.30% | 19.17% | 17.98% | 14.29% | 14.27% | 14.10% | 14.50% | 14.39% | +11 bps | |
| Equity / Assets | 13.87% | 13.88% | 13.68% | 12.48% | 11.57% | 12.54% | 13.20% | 13.47% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.19% | 70.26% | 71.26% | 79.16% | 72.38% | 80.08% | 81.02% | 84.88% | +572 bps | |
| Liquid Assets / Assets | 10.36% | 6.56% | 2.17% | 1.12% | 8.29% | 1.76% | 1.32% | 4.41% | +329 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |