Coconut Grove, FL · Cert 57973
FDIC · 5 branches
Q1 2019
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2018 SOD (annual) · 0.3% share · #31 of 92 inst. · $0.7B of $236.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.25% | 1.01% | 1.46% | 1.48% | 1.48% | 1.47% | 1.07% | -39 bps | |
| Return on Equity | 13.02% | 14.99% | 12.31% | 17.76% | 17.74% | 17.56% | 17.10% | 12.20% | -556 bps | |
| Net Interest Margin | 3.48% | 3.56% | 3.51% | 3.52% | 3.51% | 3.52% | 3.43% | 3.35% | -17 bps | |
| Efficiency Ratio | 47.29% | 43.68% | 38.23% | 44.93% | 44.42% | 43.69% | 48.37% | 57.87% | +1,294 bps | |
| Non-Interest Burden | 1.51% | 1.42% | 1.19% | 1.46% | 1.43% | 1.40% | 1.53% | 1.84% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.27% | 15.15% | 15.88% | 18.47% | 17.30% | 15.06% | 12.70% | 10.38% | -809 bps | |
| Loan Growth (YoY) | 12.40% | 15.92% | 17.20% | 20.67% | 17.49% | 14.65% | 12.61% | 12.56% | -811 bps | |
| Deposit Growth (YoY) | 7.66% | 6.99% | 7.29% | 9.41% | 13.09% | 12.55% | 10.45% | 11.13% | +172 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.30% | 0.29% | 0.28% | 0.35% | 0.34% | 0.34% | 0.08% | -20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | 0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.00% | 1.00% | 1.01% | 1.01% | 0.99% | 0.99% | -1 bps | |
| Allowance Coverage of NPLs | 2.8x | 3.4x | 3.5x | 3.6x | 2.9x | 3.0x | 2.9x | 13.0x | +9.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.71% | 8.38% | 8.26% | 8.42% | 8.51% | 8.67% | 8.71% | 8.79% | +37 bps | |
| Total Risk-Based Capital | 14.08% | 13.29% | 13.18% | 13.32% | 13.45% | 13.45% | 13.77% | 13.66% | +34 bps | |
| Equity / Assets | 8.39% | 8.24% | 8.19% | 8.27% | 8.38% | 8.45% | 8.68% | 8.83% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.60% | 109.14% | 111.10% | 110.22% | 107.63% | 111.17% | 113.28% | 111.64% | +142 bps | |
| Liquid Assets / Assets | 12.52% | 12.05% | 12.12% | 12.45% | 12.76% | 12.41% | 12.21% | 10.57% | -188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |