Coral Gables, FL · Cert 57852
FDIC
Q1 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.17% | -3.96% | 5.23% | 6.84% | 3.16% | -101 bps | |
| Return on Equity | 4.42% | -4.22% | 5.50% | 7.01% | 3.20% | -122 bps | |
| Net Interest Margin | 1.71% | 2.11% | 1.58% | 1.22% | 1.01% | -70 bps | |
| Efficiency Ratio | 79.85% | 116.93% | 76.92% | 64.68% | 82.65% | +280 bps | |
| Non-Interest Burden | -4.20% | 7.26% | -5.39% | -8.56% | -3.66% | +54 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 94.33% | 93.57% | 96.74% | 97.69% | 99.89% | +556 bps | |
| Total Risk-Based Capital | 148.67% | 164.94% | 176.99% | 198.50% | 225% | +7,681 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |