Davie, FL · Cert 57382
FDIC · 5 branches
Q4 2017
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 0.2% share · #43 of 99 inst. · $0.4B of $231.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | 0.52% | 0.75% | 0.89% | 0.65% | 0.52% | 0.70% | 0.93% | +4 bps | |
| Return on Equity | -5.56% | 4.76% | 6.69% | 8.28% | 6.65% | 6.12% | 8.57% | 10.65% | +237 bps | |
| Net Interest Margin | 3.63% | 3.61% | 3.90% | 3.80% | 3.79% | 3.52% | 3.53% | 3.87% | +7 bps | |
| Efficiency Ratio | 72.04% | 74.82% | 68.04% | 66.62% | 70.29% | 66.03% | 66.11% | 58.28% | -834 bps | |
| Non-Interest Burden | 2.56% | 2.64% | 2.56% | 2.28% | 2.55% | 2.27% | 2.28% | 2.21% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | -5.33% | 1.06% | 11.94% | 23.05% | 53.82% | 41.60% | 24.82% | +1,288 bps | |
| Loan Growth (YoY) | 2.01% | 6.87% | 7.81% | 16.23% | 30.75% | 38.84% | 33.26% | 22.47% | +624 bps | |
| Deposit Growth (YoY) | -2.73% | -3.48% | 3.81% | 21.34% | 19.56% | 53.08% | 41.03% | 19.94% | -140 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.74% | 0.51% | 0.29% | 0.29% | +29 bps | |
| Net Charge-Offs / Loans | 3.43% | -0.11% | -0.03% | -0.06% | -0.03% | -0.03% | -0.48% | -0.07% | -1 bps | |
| Allowance / Loans | 0.84% | 0.87% | 0.89% | 0.88% | 0.87% | 0.91% | 1.06% | 1.07% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.2x | 1.8x | 3.6x | 3.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.06% | 11.22% | 11.52% | 10.78% | 10.18% | 8.83% | 8.44% | 8.75% | -203 bps | |
| Total Risk-Based Capital | 15.26% | 14.52% | 14.07% | 13.30% | 12.39% | 11.11% | 11.60% | 12.14% | -116 bps | |
| Equity / Assets | 10.71% | 11.26% | 11.18% | 10.28% | 9.23% | 7.83% | 8.47% | 8.95% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.66% | 109.53% | 113.95% | 105.96% | 108.98% | 99.34% | 107.67% | 108.20% | +224 bps | |
| Liquid Assets / Assets | 17.55% | 10.94% | 5.68% | 5.76% | 7.81% | 13.06% | 7.33% | 6.17% | +41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |