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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.38% | 0.51% | 0.55% | 0.74% | 0.67% | 0.81% | 0.18% | -37 bps | |
| Return on Equity | 4.70% | 4.43% | 5.87% | 6.32% | 8.42% | 7.49% | 8.87% | 1.96% | -436 bps | |
| Net Interest Margin | 3.67% | 3.69% | 3.75% | 3.82% | 3.87% | 3.79% | 3.91% | 3.99% | +18 bps | |
| Efficiency Ratio | 79.74% | 76.75% | 78.67% | 77.30% | 71.56% | 73.90% | 70.00% | 88.75% | +1,145 bps | |
| Non-Interest Burden | 2.88% | 2.75% | 2.88% | 2.88% | 2.65% | 2.69% | 2.61% | 3.50% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.21% | 2.59% | 2.55% | 3.61% | 0.89% | 3.87% | 3.38% | 1.09% | -251 bps | |
| Loan Growth (YoY) | -3.55% | -2.60% | 6.50% | 7.34% | 8.75% | 9.54% | 8.44% | 0.81% | -653 bps | |
| Deposit Growth (YoY) | 5.71% | 4.75% | 0.88% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.36% | 1.09% | 0.19% | 0.09% | -0.03% | 0.08% | 0.02% | 0.06% | -3 bps | |
| Allowance / Loans | 1.84% | 1.67% | 1.56% | 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 | 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 | 12.94% | 12.67% | 12.54% | 12.47% | 12.71% | 12.72% | 12.65% | 13.35% | +88 bps | |
| Equity / Assets | 8.43% | 8.72% | 8.63% | 8.75% | 8.78% | 9.11% | 9.08% | 9.50% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.80% | 93.54% | 97.73% | 99.59% | 97.56% | 98.42% | 101.61% | 98.90% | -69 bps | |
| Liquid Assets / Assets | 13.19% | 7.97% | 6.18% | 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 | n/a | n/a | n/a |