West Palm Beach, FL · Cert 58152
FDIC · 2 branches
Q4 2019
Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2019 SOD (annual) · 0.1% share · #63 of 89 inst. · $0.2B of $240.8B
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.54% | 0.50% | 0.50% | 0.48% | 0.56% | 0.63% | 0.96% | +46 bps | |
| Return on Equity | 5.17% | 5.74% | 5.39% | 5.46% | 5.58% | 6.51% | 7.25% | 10.99% | +553 bps | |
| Net Interest Margin | 3.39% | 3.31% | 3.30% | 3.40% | 3.47% | 3.42% | 3.39% | 3.26% | -14 bps | |
| Efficiency Ratio | 81.69% | 80.71% | 81.52% | 81.66% | 82.01% | 79.50% | 77.24% | 70.10% | -1,157 bps | |
| Non-Interest Burden | 2.73% | 2.61% | 2.64% | 2.73% | 2.78% | 2.64% | 2.53% | 1.98% | -75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 20.21% | 26.25% | 29.11% | 13.83% | 10.42% | 8.67% | 5.51% | -2,361 bps | |
| Loan Growth (YoY) | 10.08% | 22.16% | 23.88% | 24.08% | 22.84% | 7.09% | 7.24% | -4.93% | -2,901 bps | |
| Deposit Growth (YoY) | 16.52% | 19.61% | 30.17% | 35.66% | 23.83% | 15.28% | 9.18% | 11.37% | -2,429 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.19% | 0.18% | 0.16% | 0.16% | 0.16% | 0.15% | 0.00% | -16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.04% | 0.00% | -0.01% | -0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 0.81% | 0.72% | 0.73% | 0.71% | 0.74% | 0.75% | 0.73% | 0.76% | +6 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.7x | 4.0x | 4.3x | 4.6x | 4.8x | 5.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.40% | 9.21% | 8.93% | 9.04% | 8.66% | 8.76% | 8.91% | 9.06% | +2 bps | |
| Total Risk-Based Capital | 13.94% | 12.96% | 12.71% | 12.06% | 12.63% | 13.21% | 12.51% | 13.16% | +109 bps | |
| Equity / Assets | 9.12% | 9.07% | 8.79% | 8.55% | 8.54% | 8.78% | 8.69% | 9.06% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.59% | 93.86% | 89.08% | 97.02% | 87.88% | 87.20% | 87.50% | 82.83% | -1,419 bps | |
| Liquid Assets / Assets | 0.82% | 0.56% | 0.52% | 0.64% | 9.82% | 10.99% | 0.52% | 0.61% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |