Fort Lauderdale, FL · Cert 58813
FDIC · 2 branches
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.
Fort Lauderdale, FL · Cert 58813
FDIC · 2 branches
Q3 2014
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2014 SOD (annual) · 0.1% share · #76 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 | 0.67% | 0.10% | 0.27% | 0.46% | 0.70% | 1.20% | 1.06% | 0.74% | +27 bps | |
| Return on Equity | 5.00% | 0.81% | 2.15% | 3.77% | 5.78% | 10.43% | 9.13% | 6.43% | +266 bps | |
| Net Interest Margin | 4.14% | 3.88% | 4.10% | 3.81% | 3.73% | 3.86% | 3.59% | 3.82% | +1 bps | |
| Efficiency Ratio | 73.11% | 81.51% | 76.77% | 72.72% | 68.98% | 65.37% | 65.94% | 59.37% | -1,336 bps | |
| Non-Interest Burden | 2.93% | 3.12% | 3.09% | 2.67% | 2.42% | 2.26% | 2.20% | 2.10% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.34% | 15.56% | 7.79% | 20.92% | 11.43% | 18.34% | 11.95% | 15.23% | -569 bps | |
| Loan Growth (YoY) | 15.69% | 18.74% | 11.86% | 13.27% | 7.11% | 12.40% | 8.29% | 11.29% | -198 bps | |
| Deposit Growth (YoY) | 16.43% | 20.54% | 7.82% | 23.09% | 11.50% | 14.98% | 14.68% | 9.19% | -1,390 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.48% | 1.66% | 1.79% | 1.75% | 1.79% | 1.60% | 1.64% | 2.29% | +54 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 | 17.25% | 17.08% | 17.06% | 17.32% | 17.29% | 16.47% | 16.70% | 16.22% | -110 bps | |
| Equity / Assets | 12.83% | 12.61% | 12.04% | 11.70% | 11.74% | 11.27% | 11.79% | 11.07% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.30% | 81.03% | 81.13% | 80.62% | 77.14% | 79.21% | 76.61% | 82.17% | +155 bps | |
| Liquid Assets / Assets | 5.31% | 3.82% | 5.41% | 2.69% | 5.01% | 9.45% | 0.82% | 6.30% | +361 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |