West Miami, FL · Cert 57214
FDIC · 1 branch
Q2 2018
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2018 SOD (annual) · 0.1% share · #66 of 92 inst. · $0.1B of $236.2B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.44% | 0.45% | 0.47% | 0.54% | 0.42% | 0.40% | 0.46% | -1 bps | |
| Return on Equity | 3.53% | 3.38% | 3.52% | 3.66% | 4.14% | 3.19% | 3.14% | 3.58% | -8 bps | |
| Net Interest Margin | 2.04% | 2.12% | 2.15% | 2.14% | 2.19% | 2.23% | 2.25% | 2.31% | +17 bps | |
| Efficiency Ratio | 74.06% | 75.91% | 73.90% | 72.76% | 72.16% | 73.74% | 79.92% | 76.78% | +402 bps | |
| Non-Interest Burden | 1.33% | 1.44% | 1.43% | 1.40% | 1.42% | 1.51% | 1.72% | 1.68% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.10% | -3.85% | 5.00% | 4.08% | 5.79% | -0.41% | 6.40% | -0.64% | -472 bps | |
| Loan Growth (YoY) | 37.57% | 28.85% | 18.32% | 24.04% | 24.21% | 10.47% | 16.32% | 8.78% | -1,526 bps | |
| Deposit Growth (YoY) | -14.96% | -4.26% | 5.57% | 6.31% | 6.17% | -1.13% | 7.25% | -0.71% | -702 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.34% | 0.23% | 0.27% | 0.10% | 0.11% | 0.15% | -8 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.06% | 0.04% | -0.26% | -0.17% | 0.01% | 0.00% | -4 bps | |
| Allowance / Loans | 0.81% | 0.72% | 0.69% | 0.65% | 0.73% | 0.71% | 0.66% | 0.69% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.0x | 2.9x | 2.8x | 7.2x | 5.9x | 4.7x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.25% | 13.62% | 13.10% | 13.02% | 13.17% | 13.36% | 13.12% | 13.30% | +28 bps | |
| Total Risk-Based Capital | 24.03% | 22.84% | 22.82% | 22.33% | 22.87% | 23.99% | 23.05% | 24.75% | +242 bps | |
| Equity / Assets | 13.77% | 12.95% | 12.68% | 12.92% | 13.32% | 13.45% | 12.07% | 13.05% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.41% | 52.63% | 51.14% | 54.85% | 57.80% | 58.80% | 55.46% | 60.09% | +524 bps | |
| Liquid Assets / Assets | 14.66% | 13.80% | 13.56% | 13.41% | 12.62% | 11.57% | 10.43% | 11.03% | -238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |