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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.10% | 0.43% | 0.84% | 1.38% | 1.20% | 0.91% | 0.13%1 | -70 bps | |
| Return on Equity | 4.61% | 0.81% | 3.49% | 7.04% | 11.79% | 10.43% | 7.85% | 1.15% | -589 bps | |
| Net Interest Margin | 4.34% | 3.88% | 4.28% | 3.75% | 3.92% | 3.86% | 3.69% | 3.94% | +19 bps | |
| Efficiency Ratio | 70.78% | 81.51% | 72.41% | 65.33% | 59.47% | 65.37% | 66.53% | 45.90% | -1,943 bps | |
| Non-Interest Burden | 2.97% | 3.12% | 3.03% | 2.21% | 2.00% | 2.26% | 2.36% | 1.68% | -53 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 |