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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.06% | 1.05% | 0.94% | 0.42% | 0.76% | 1.00% | 1.06% | +12 bps | |
| Return on Equity | 11.72% | 12.28% | 12.24% | 10.90% | 4.92% | 8.71% | 11.05% | 11.44% | +53 bps | |
| Net Interest Margin | 3.59% | 2.79% | 2.87% | 2.70% | 2.84% | 3.06% | 3.57% | 3.59% | +89 bps | |
| Efficiency Ratio | 56.61% | 55.75% | 55.48% | 57.74% | 77.14% | 62.81% | 57.10% | 55.01% | -274 bps | |
| Non-Interest Burden | 1.83% | 1.42% | 1.46% | 1.45% | 2.14% | 1.82% | 1.92% | 1.85% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.60% | 26.05% | 27.37% | 29.46% | 28.32% | 3.77% | -6.62% | -2.88% | -3,234 bps | |
| Loan Growth (YoY) | 28.17% | 7.91% | 5.28% | 7.14% | 5.36% | 17.41% | 18.81% | 20.03% | +1,290 bps | |
| Deposit Growth (YoY) | 37.25% | 47.47% | 47.41% | 39.87% | 33.79% | 4.23% | -7.27% | -8.03% | -4,790 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.16% | 0.16% | 0.12% | 0.12% | 0.07% | 0.09% | 0.07% | -5 bps | |
| Net Charge-Offs / Loans | 1.77% | 0.90% | 0.60% | 0.47% | 0.00% | 0.07% | 0.04% | 0.03% | -44 bps | |
| Allowance / Loans | 0.56% | 0.62% | 0.68% | 0.71% | 0.74% | 0.76% | 0.82% | 0.81% | +10 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.8x | 4.1x | 6.0x | 6.4x | 10.3x | 9.3x | 11.7x | +5.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.24% | 7.40% | 7.67% | 7.75% | 8.15% | 8.46% | 9.64% | 10.00% | +225 bps | |
| Total Risk-Based Capital | 11.58% | 12.83% | 12.92% | 12.87% | 12.81% | 12.12% | 12.54% | 12.50% | -37 bps | |
| Equity / Assets | 8.60% | 8.34% | 8.33% | 8.79% | 8.37% | 9.16% | 10.05% | 9.96% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.86% | 73.57% | 71.04% | 74.64% | 69.97% | 82.87% | 91.01% | 97.41% | +2,278 bps | |
| Liquid Assets / Assets | 11.29% | 22.95% | 25.73% | 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 | n/a | n/a | n/a |