Miami, FL · Cert 58991
FDIC · 50 branches
Q4 2018
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2018 SOD (annual) · 2.1% share · #12 of 92 inst. · $5.0B of $236.2B
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.55% | 1.53% | 1.53% | 1.52% | +26 bps | |
| Return on Equity | 12.59% | 15.47% | 15.20% | 15.20% | 14.98% | +239 bps | |
| Net Interest Margin | 2.86% | 3.03% | 2.97% | 2.94% | 2.89% | +3 bps | |
| Efficiency Ratio | 41.48% | 40.50% | 40.05% | 39.14% | 37.63% | -385 bps | |
| Non-Interest Burden | 0.96% | 1.00% | 0.99% | 0.95% | 0.87% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.13% | 22.28% | 23.13% | 22.19% | 18.39% | +126 bps | |
| Loan Growth (YoY) | 20.07% | 25.49% | 22.66% | 24.04% | 17.96% | -211 bps | |
| Deposit Growth (YoY) | 18.58% | 23.63% | 28.08% | 25.23% | 25.43% | +686 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.19% | 0.21% | 0.24% | 0.36% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | +13 bps | |
| Allowance / Loans | 0.59% | 0.57% | 0.57% | 0.57% | 0.54% | -5 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.0x | 2.7x | 2.4x | 1.5x | -1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.19% | 9.65% | 9.37% | 9.49% | 9.55% | +35 bps | |
| Total Risk-Based Capital | 10.97% | 11.06% | 11.10% | 11.22% | 11.61% | +64 bps | |
| Equity / Assets | 9.78% | 10.23% | 10.07% | 10.21% | 10.30% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.01% | 91.72% | 90.48% | 91.72% | 86.53% | -548 bps | |
| Liquid Assets / Assets | 0.53% | 0.74% | 1.62% | 1.01% | 1.36% | +83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |