North Miami Beach, FL · Cert 58345
FDIC · 3 branches
Q4 2019
Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2019 SOD (annual) · 0.2% share · #40 of 89 inst. · $0.6B 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 | 1.23% | 1.22% | 1.19% | 1.22% | 1.25% | 1.12% | 1.21% | 1.23% | +2 bps | |
| Return on Equity | 13.16% | 13.12% | 12.98% | 13.30% | 13.56% | 12.14% | 12.93% | 12.90% | -40 bps | |
| Net Interest Margin | 3.58% | 3.55% | 3.47% | 3.47% | 3.57% | 3.49% | 3.42% | 3.29% | -19 bps | |
| Efficiency Ratio | 51.74% | 53.40% | 53.38% | 53.12% | 54.36% | 55.04% | 53.90% | 55.04% | +192 bps | |
| Non-Interest Burden | 1.75% | 1.80% | 1.77% | 1.75% | 1.86% | 1.84% | 1.74% | 1.72% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.42% | 23.99% | 23.88% | 22.84% | 12.88% | 11.02% | 5.16% | -2.46% | -2,529 bps | |
| Loan Growth (YoY) | 24.57% | 24.85% | 25.34% | 20.12% | 12.17% | 9.88% | 4.90% | -1.54% | -2,166 bps | |
| Deposit Growth (YoY) | 23.12% | 22.91% | 19.28% | 17.78% | 12.70% | 10.39% | 10.56% | 0.31% | -1,747 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.57% | 0.45% | 0.07% | 0.02% | 0.02% | 0.02% | 0.02% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.09% | -0.05% | -0.02% | -0.02% | -0.01% | -10 bps | |
| Allowance / Loans | 0.90% | 0.90% | 0.91% | 0.87% | 0.90% | 0.93% | 0.94% | 0.93% | +5 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.6x | 2.0x | 12.0x | 44.8x | 47.9x | 48.1x | 46.2x | +34.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.60% | 9.46% | 9.35% | 9.49% | 9.52% | 9.64% | 9.72% | 9.77% | +28 bps | |
| Total Risk-Based Capital | 11.96% | 11.39% | 11.54% | 11.39% | 11.92% | 11.72% | 12.17% | 12.77% | +138 bps | |
| Equity / Assets | 9.28% | 9.08% | 8.94% | 9.01% | 9.42% | 9.31% | 9.64% | 10.43% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.26% | 101.29% | 102.88% | 105.92% | 99.79% | 100.82% | 97.61% | 103.96% | -196 bps | |
| Liquid Assets / Assets | 9.69% | 8.89% | 8.02% | 7.77% | 8.37% | 9.62% | 10.16% | 7.95% | +18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |