Coral Gables, FL · Cert 58862
FDIC · 9 branches
Q4 2022
Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2022 SOD (annual) · 0.7% share · #24 of 83 inst. · $2.4B of $351.1B
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.42% | 0.76% | 1.00% | 1.06% | +12 bps | |
| Return on Equity | 10.90% | 4.92% | 8.71% | 11.05% | 11.44% | +53 bps | |
| Net Interest Margin | 2.70% | 2.84% | 3.06% | 3.57% | 3.59% | +89 bps | |
| Efficiency Ratio | 57.74% | 77.14% | 62.81% | 57.10% | 55.01% | -274 bps | |
| Non-Interest Burden | 1.45% | 2.14% | 1.82% | 1.92% | 1.85% | +41 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 29.46% | 28.32% | 3.77% | -6.62% | -2.88% | -3,234 bps | |
| Loan Growth (YoY) | 7.14% | 5.36% | 17.41% | 18.81% | 20.03% | +1,290 bps | |
| Deposit Growth (YoY) | 39.87% | 33.79% | 4.23% | -7.27% | -8.03% | -4,790 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.12% | 0.07% | 0.09% | 0.07% | -5 bps | |
| Net Charge-Offs / Loans | 0.47% | 0.00% | 0.07% | 0.04% | 0.03% | -44 bps | |
| Allowance / Loans | 0.71% | 0.74% | 0.76% | 0.82% | 0.81% | +10 bps | |
| Allowance Coverage of NPLs | 6.0x | 6.4x | 10.3x | 9.3x | 11.7x | +5.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.75% | 8.15% | 8.46% | 9.64% | 10.00% | +225 bps | |
| Total Risk-Based Capital | 12.87% | 12.81% | 12.12% | 12.54% | 12.50% | -37 bps | |
| Equity / Assets | 8.79% | 8.37% | 9.16% | 10.05% | 9.96% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.64% | 69.97% | 82.87% | 91.01% | 97.41% | +2,278 bps | |
| Liquid Assets / Assets | 20.46% | 23.41% | 11.29% | 4.61% | 5.52% | -1,494 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |