Fort Lauderdale, FL · Cert 57934
FDIC · 29 branches
Q2 2017
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 0.8% share · #21 of 99 inst. · $1.8B 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.98% | 1.23% | 1.04% | 1.05% | -6 bps | |
| Return on Equity | 9.12% | 8.16% | 10.26% | 8.36% | 8.04% | -108 bps | |
| Net Interest Margin | 3.63% | 3.14% | 3.70% | 3.30% | 3.52% | -10 bps | |
| Efficiency Ratio | 53.10% | 55.40% | 56.34% | 52.34% | 53.02% | -8 bps | |
| Non-Interest Burden | 1.82% | 1.63% | 1.96% | 1.61% | 1.71% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.79% | 26.98% | 21.92% | 31.85% | 30.32% | +2,453 bps | |
| Loan Growth (YoY) | 10.28% | 24.74% | 22.47% | 31.53% | 25.27% | +1,499 bps | |
| Deposit Growth (YoY) | 5.35% | 27.62% | 20.94% | 30.20% | 28.90% | +2,355 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.37% | 0.46% | +46 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | -0.02% | -0.01% | 0.05% | +7 bps | |
| Allowance / Loans | 0.95% | 0.82% | 0.83% | 0.79% | 0.81% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.2x | 1.8x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.37% | 9.97% | 9.91% | 10.08% | 10.68% | +32 bps | |
| Total Risk-Based Capital | 11.96% | 11.65% | 12.00% | 12.26% | 12.53% | +56 bps | |
| Equity / Assets | 12.35% | 11.78% | 12.23% | 12.66% | 13.33% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.51% | 92.01% | 92.88% | 91.14% | 93.79% | -272 bps | |
| Liquid Assets / Assets | 9.88% | 11.76% | 11.97% | 11.69% | 9.83% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |