Coral Gables, FL · Cert 58131
FDIC · 1 branch
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 58131
FDIC · 1 branch
Q3 2014
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2014 SOD (annual) · 0.0% share · #87 of 106 inst. · $0.1B of $187.0B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -0.75% | -0.59% | -0.59% | 0.26%1 | -0.55% | -0.77% | -0.54% | +6 bps | |
| Return on Equity | -7.07% | -11.91% | -9.82% | -10.02% | 4.28% | -8.81% | -12.19% | -8.63% | +139 bps | |
| Net Interest Margin | 2.90% | 2.76% | 2.78% | 2.73% | 2.83% | 2.70% | 2.71% | 2.82% | +8 bps | |
| Efficiency Ratio | 130.19% | 130.88% | 122.14% | 121.76% | 118.19% | 118.78% | 126.26% | 118.02% | -374 bps | |
| Non-Interest Burden | 3.82% | 3.61% | 3.47% | 3.39% | 3.40% | 3.26% | 3.47% | 3.37% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.23% | -6.41% | -5.16% | -6.23% | -6.05% | -0.55% | -8.16% | -0.78% | +544 bps | |
| Loan Growth (YoY) | -20.59% | -17.54% | -6.13% | 9.48% | 1.13% | -0.50% | 4.69% | -7.41% | -1,689 bps | |
| Deposit Growth (YoY) | -5.35% | -6.41% | -4.37% | -5.26% | -5.95% | -0.24% | -8.97% | -1.29% | +397 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.97% | -0.07% | -0.17% | -0.12% | -0.56% | -0.03% | -0.14% | -0.45% | -33 bps | |
| Allowance / Loans | 4.20% | 4.43% | 4.48% | 4.19% | 3.44% | 3.68% | 3.55% | 4.01% | -18 bps | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.12% | 12.54% | 12.20% | 11.45% | 12.73% | 13.38% | 12.24% | 12.89% | +144 bps | |
| Equity / Assets | 6.26% | 6.34% | 5.58% | 5.57% | 6.28% | 6.22% | 6.38% | 6.06% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.07% | 61.25% | 58.84% | 65.23% | 65.66% | 61.09% | 67.67% | 61.19% | -404 bps | |
| Liquid Assets / Assets | 6.24% | 7.72% | 17.53% | 9.15% | 9.39% | 15.06% | 7.26% | 15.82% | +666 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |