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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.15% | 1.11% | 1.11% | 1.04% | 1.11% | 1.04% | 1.06% | -5 bps | |
| Return on Equity | 9.39% | 9.68% | 9.36% | 9.24% | 8.75% | 9.21% | 8.36% | 8.28% | -96 bps | |
| Net Interest Margin | 3.80% | 3.68% | 3.52% | 3.55% | 3.06% | 3.16% | 3.30% | 3.47% | -8 bps | |
| Efficiency Ratio | 54.99% | 53.59% | 52.86% | 52.98% | 53.81% | 54.55% | 52.34% | 52.69% | -29 bps | |
| Non-Interest Burden | 2.00% | 1.86% | 1.71% | 1.75% | 1.53% | 1.61% | 1.61% | 1.69% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.00% | 38.15% | 8.83% | 5.79% | 26.98% | 21.92% | 31.85% | 30.32% | +2,453 bps | |
| Loan Growth (YoY) | 49.00% | 41.87% | 8.82% | 10.28% | 24.74% | 22.47% | 31.53% | 25.27% | +1,499 bps | |
| Deposit Growth (YoY) | 38.38% | 39.42% | 9.79% | 5.35% | 27.62% | 20.94% | 30.20% | 28.90% | +2,355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.37% | 0.46% | +46 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | -0.03% | -0.03% | -0.02% | -0.02% | -0.01% | 0.02% | +5 bps | |
| Allowance / Loans | 0.98% | 0.98% | 0.98% | 0.95% | 0.82% | 0.83% | 0.79% | 0.81% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 2.2x | 1.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.97% | 9.99% | 10.21% | 10.37% | 9.97% | 9.91% | 10.08% | 10.68% | +32 bps | |
| Total Risk-Based Capital | 11.54% | 11.86% | 12.16% | 11.96% | 11.65% | 12.00% | 12.26% | 12.53% | +56 bps | |
| Equity / Assets | 11.85% | 11.87% | 11.79% | 12.35% | 11.78% | 12.23% | 12.66% | 13.33% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.14% | 91.72% | 90.21% | 96.51% | 92.01% | 92.88% | 91.14% | 93.79% | -272 bps | |
| Liquid Assets / Assets | 9.49% | 10.71% | 11.73% | 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 | n/a | n/a | n/a |