Boynton Beach, FL · Cert 58763
FDIC · 4 branches
Q3 2017
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2017 SOD (annual) · 0.1% share · #62 of 99 inst. · $0.3B of $231.7B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.78% | 1.77% | 1.68% | 1.66% | 1.72% | 1.52% | 1.16% | 1.13% | -54 bps | |
| Return on Equity | 15.76% | 14.89% | 14.21% | 14.06% | 14.45% | 12.54% | 9.55% | 9.17% | -489 bps | |
| Net Interest Margin | 3.89% | 4.09% | 4.00% | 3.92% | 3.91% | 3.69% | 3.72% | 3.89% | -3 bps | |
| Efficiency Ratio | 56.25% | 57.06% | 58.72% | 58.03% | 59.07% | 57.23% | 67.00% | 69.43% | +1,141 bps | |
| Non-Interest Burden | 2.14% | 2.31% | 2.32% | 2.24% | 2.27% | 1.87% | 2.35% | 2.60% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.44% | 3.64% | 1.77% | 2.69% | 5.57% | 6.12% | 2.69% | -3.28% | -597 bps | |
| Loan Growth (YoY) | 25.87% | 6.09% | 0.19% | 8.96% | 7.26% | 11.21% | 6.14% | 0.80% | -815 bps | |
| Deposit Growth (YoY) | 24.10% | -0.20% | 1.36% | -1.45% | 1.51% | 6.16% | 4.76% | -1.78% | -32 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.67% | 1.73% | 1.94% | +194 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.02% | 0.01% | 0.00% | -0.10% | 0.75% | 0.39% | 0.26% | +26 bps | |
| Allowance / Loans | 0.71% | 0.70% | 0.71% | 0.71% | 0.81% | 0.67% | 0.75% | 0.75% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.4x | 0.4x | 0.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.45% | 11.96% | 11.56% | 11.71% | 12.17% | 12.45% | 11.77% | 12.55% | +83 bps | |
| Total Risk-Based Capital | 17.45% | 18.01% | 16.92% | 16.82% | 17.32% | 17.17% | 17.41% | 17.45% | +63 bps | |
| Equity / Assets | 11.85% | 11.96% | 11.69% | 11.83% | 12.13% | 12.06% | 12.13% | 12.87% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.56% | 98.67% | 97.08% | 100.30% | 103.08% | 103.37% | 98.36% | 102.94% | +263 bps | |
| Liquid Assets / Assets | 6.37% | 8.66% | 8.08% | 6.81% | 3.59% | 4.04% | 5.23% | 2.92% | -390 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |