Homestead, FL · Cert 3564
FDIC · 6 branches
Q4 2015
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2015 SOD (annual) · 0.1% share · #56 of 105 inst. · $0.3B of $207.5B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.40% | 0.45% | 0.55% | 0.74% | 0.57% | 0.55% | 0.53% | -2 bps | |
| Return on Equity | 3.55% | 4.47% | 4.92% | 5.96% | 7.88% | 6.19% | 5.93% | 5.63% | -34 bps | |
| Net Interest Margin | 2.83% | 2.79% | 2.90% | 2.86% | 3.09% | 2.94% | 2.96% | 2.98% | +12 bps | |
| Efficiency Ratio | 89.11% | 86.83% | 86.07% | 87.49% | 83.87% | 84.91% | 85.60% | 86.92% | -57 bps | |
| Non-Interest Burden | 2.48% | 2.37% | 2.43% | 2.46% | 2.52% | 2.43% | 2.47% | 2.51% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.60% | 5.70% | 0.45% | 6.32% | 5.83% | 8.79% | 12.52% | 3.60% | -272 bps | |
| Loan Growth (YoY) | 4.96% | 9.47% | 1.99% | 8.44% | 18.16% | 17.08% | 11.73% | 2.05% | -639 bps | |
| Deposit Growth (YoY) | 5.21% | 7.29% | 0.53% | 6.96% | 6.18% | 9.94% | 14.26% | 3.81% | -315 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 | 0.03% | 0.01% | 0.00% | 0.05% | -0.01% | 0.05% | 0.03% | 0.02% | -3 bps | |
| Allowance / Loans | 1.22% | 1.27% | 1.20% | 1.07% | 1.03% | 1.06% | 1.03% | 0.95% | -12 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 | 9.38% | 9.03% | 8.97% | 9.39% | n/a | |
| Total Risk-Based Capital | 16.18% | 16.61% | 16.13% | 15.14% | 14.86% | 15.12% | 15.40% | 16.15% | +101 bps | |
| Equity / Assets | 8.93% | 8.99% | 9.43% | 9.48% | 9.39% | 8.97% | 9.25% | 9.70% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.66% | 67.69% | 74.44% | 76.92% | 78.63% | 72.09% | 72.79% | 75.62% | -131 bps | |
| Liquid Assets / Assets | 5.64% | 8.02% | 4.44% | 4.00% | 4.84% | 5.77% | 4.69% | 4.05% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |