Pompano Beach, FL · Cert 58331
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | 0.00%1 | -0.30% | -1.11% | 0.25% | -0.39% | -0.79% | -0.49% | +61 bps | |
| Return on Equity | -1.28% | 0.01% | -3.61% | -13.29% | 3.03% | -4.77% | -9.71% | -6.09% | +720 bps | |
| Net Interest Margin | 3.21% | 3.45% | 3.42% | 3.39% | 3.50% | 3.51% | 3.65% | 3.69% | +30 bps | |
| Efficiency Ratio | 102.15% | 99.97% | 100.41% | 107.32% | 91.22% | 94.77% | 95.40% | 96.72% | -1,060 bps | |
| Non-Interest Burden | 3.32% | 3.49% | 3.47% | 3.67% | 3.20% | 3.35% | 3.51% | 3.60% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.73% | 22.93% | 17.10% | 1.45% | -2.00% | 5.84% | -3.40% | -9.00% | -1,045 bps | |
| Loan Growth (YoY) | 10.60% | 17.31% | 24.48% | 19.08% | 15.22% | 3.08% | 2.91% | 1.12% | -1,796 bps | |
| Deposit Growth (YoY) | 42.09% | 22.93% | 19.94% | 1.71% | -2.22% | 7.72% | -2.71% | -9.36% | -1,108 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 | 0.00% | 1.55% | 0.96% | 0.87% | 4.53% | 3.01% | 2.55% | 1.80% | +94 bps | |
| Allowance / Loans | 2.61% | 1.61% | 1.87% | 2.70% | 1.55% | 1.58% | 1.63% | 1.67% | -102 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 | 13.30% | 12.51% | 12.09% | 11.70% | 12.66% | 12.39% | 11.55% | 11.91% | +21 bps | |
| Equity / Assets | 8.15% | 9.18% | 8.53% | 7.93% | 8.61% | 7.91% | 7.88% | 8.26% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.50% | 79.34% | 76.42% | 73.38% | 74.83% | 75.92% | 80.84% | 81.87% | +849 bps | |
| Liquid Assets / Assets | 8.59% | 1.22% | 2.29% | 9.03% | 5.00% | 4.10% | 2.73% | 6.18% | -284 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |