Miami, FL · Cert 57719
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.58% | -0.51% | -0.60% | -0.76% | -0.37% | -0.39% | -0.61% | -1 bps | |
| Return on Equity | -10.63% | -12.29% | -10.88% | -12.87% | -16.84% | -8.42% | -9.03% | -14.70% | -182 bps | |
| Net Interest Margin | 2.43% | 2.22% | 2.23% | 2.27% | 2.21% | 2.23% | 2.32% | 2.26% | -1 bps | |
| Efficiency Ratio | 101.15% | 100.51% | 108.21% | 110.97% | 118.42% | 114.73% | 107.86% | 117.72% | +675 bps | |
| Non-Interest Burden | 2.46% | 2.23% | 2.42% | 2.53% | 2.72% | 2.62% | 2.56% | 2.78% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.46% | -12.66% | 6.02% | 0.08% | -9.73% | -14.00% | -18.01% | -11.66% | -1,174 bps | |
| Loan Growth (YoY) | -12.25% | -11.83% | -10.31% | -14.87% | -16.43% | -18.61% | -19.84% | -20.05% | -517 bps | |
| Deposit Growth (YoY) | -1.82% | 3.38% | 4.81% | 0.94% | -10.09% | -13.61% | -16.58% | -11.43% | -1,237 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 | 0.19% | 0.80% | 0.86% | 1.43% | 1.35% | 0.83% | 1.58% | 1.58% | +15 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 8.05% | 8.14% | 8.50% | 8.34% | 8.12% | 8.43% | 8.59% | 8.09% | -25 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.58% | 76.24% | 72.34% | 75.25% | 73.04% | 71.83% | 69.50% | 67.93% | -732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |