Coral Gables, FL · Cert 57852
FDIC
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Coral Gables, FL · Cert 57852
FDIC
Q1 2021
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.75% | 3.72% | 1.83% | 4.17% | 0.09%1 | 1.80% | 3.05% | 3.16% | -101 bps | |
| Return on Equity | 3.83% | 3.81% | 1.89% | 4.42% | 0.09% | 1.90% | 3.20% | 3.20% | -122 bps | |
| Net Interest Margin | 2.13% | 2.01% | 1.99% | 1.71% | 1.91% | 1.83% | 1.66% | 1.01% | -70 bps | |
| Efficiency Ratio | 82.42% | 82.81% | 90.45% | 79.85% | 98.71% | 91.50% | 85.22% | 82.65% | +280 bps | |
| Non-Interest Burden | -3.26% | -3.22% | -0.91% | -4.20% | 1.53% | -0.76% | -2.71% | -3.66% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 3.49% | 7.49% | 6.98% | 5.74% | 2.38% | 0.12% | -1.69% | -867 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 94.63% | 94.76% | 95.31% | 94.33% | 93.57% | 96.74% | 97.69% | 99.89% | +556 bps | |
| Total Risk-Based Capital | 193.31% | 203% | 177.11% | 148.67% | 164.94% | 176.99% | 198.50% | 225% | +7,681 bps | |
| Equity / Assets | 97.51% | 97.30% | 94.58% | 93.94% | 93.57% | 96.55% | 98.53% | 98.95% | +501 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 18.11% | 24.66% | 20.74% | 11.09% | 19.72% | 27.50% | 36.02% | 45.36% | +3,427 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |