Miami, FL · Cert 35599
FDIC · 5 branches
Q3 2022
Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2022 SOD (annual) · 0.3% share · #35 of 83 inst. · $0.9B of $351.1B
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.91% | 0.91% | 1.02% | 1.04% | +7 bps | |
| Return on Equity | 9.45% | 9.10% | 10.20% | 11.79% | 12.12% | +267 bps | |
| Net Interest Margin | 2.69% | 2.64% | 3.09% | 3.12% | 3.27% | +59 bps | |
| Efficiency Ratio | 63.77% | 63.49% | 66.38% | 60.66% | 61.26% | -251 bps | |
| Non-Interest Burden | 1.63% | 1.59% | 1.94% | 1.77% | 1.89% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.29% | 22.86% | 18.05% | 12.22% | 4.72% | -1,258 bps | |
| Loan Growth (YoY) | 9.12% | 27.73% | 33.09% | 35.65% | 21.43% | +1,231 bps | |
| Deposit Growth (YoY) | 16.94% | 25.40% | 19.17% | 11.74% | -0.34% | -1,728 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.45% | 0.12% | 0.20% | 0.08% | -23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.04% | 1.04% | 1.03% | 1.06% | -2 bps | |
| Allowance Coverage of NPLs | 3.6x | 2.3x | 8.5x | 5.0x | 14.0x | +10.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.75% | 9.51% | 9.40% | 9.61% | 10.02% | +27 bps | |
| Total Risk-Based Capital | 14.44% | 13.31% | 13.21% | 13.10% | 13.66% | -79 bps | |
| Equity / Assets | 9.91% | 9.40% | 8.50% | 8.17% | 8.25% | -166 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.14% | 71.66% | 74.41% | 79.10% | 83.02% | +1,488 bps | |
| Liquid Assets / Assets | 5.79% | 6.68% | 6.06% | 3.45% | 3.17% | -262 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |