Dania Beach, FL · Cert 57300
FDIC · 9 branches
Q4 2014
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2014 SOD (annual) · 0.2% share · #40 of 106 inst. · $0.4B 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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.74% | 0.71% | 0.74% | 0.60% | +14 bps | |
| Return on Equity | 5.33% | 8.42% | 7.95% | 8.27% | 6.64% | +131 bps | |
| Net Interest Margin | 3.70% | 3.87% | 3.81% | 3.82% | 3.83% | +13 bps | |
| Efficiency Ratio | 78.09% | 71.56% | 72.73% | 71.80% | 76.22% | -188 bps | |
| Non-Interest Burden | 2.82% | 2.65% | 2.66% | 2.63% | 2.82% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.61% | 0.89% | 3.87% | 3.38% | 1.09% | -251 bps | |
| Loan Growth (YoY) | 7.34% | 8.75% | 9.54% | 8.44% | 0.81% | -653 bps | |
| Deposit Growth (YoY) | 3.40% | 0.11% | 4.11% | 4.30% | 1.51% | -189 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.40% | -0.03% | 0.03% | 0.02% | 0.03% | -37 bps | |
| Allowance / Loans | 1.51% | 1.52% | 1.49% | 1.43% | 1.54% | +3 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 12.47% | 12.71% | 12.72% | 12.65% | 13.35% | +88 bps | |
| Equity / Assets | 8.75% | 8.78% | 9.11% | 9.08% | 9.50% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.59% | 97.56% | 98.42% | 101.61% | 98.90% | -69 bps | |
| Liquid Assets / Assets | 4.97% | 7.09% | 5.44% | 4.94% | 6.42% | +144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |