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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.50% | 1.31% | 0.54% | 1.55% | 1.49% | 1.53% | 1.46% | +92 bps | |
| Return on Equity | 17.46% | 14.96% | 13.03% | 5.43% | 15.47% | 14.71% | 15.11% | 14.27% | +884 bps | |
| Net Interest Margin | 3.04% | 3.01% | 3.05% | 3.02% | 3.03% | 3.12% | 3.08% | 3.06% | +3 bps | |
| Efficiency Ratio | 42.74% | 41.99% | 40.84% | 40.45% | 40.50% | 39.64% | 37.44% | 33.59% | -686 bps | |
| Non-Interest Burden | 1.02% | 1.01% | 1.02% | 1.00% | 1.00% | 1.05% | 0.93% | 0.71% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.10% | 20.74% | 19.67% | 17.13% | 22.28% | 23.13% | 22.19% | 18.39% | +126 bps | |
| Loan Growth (YoY) | 22.94% | 21.21% | 19.51% | 20.07% | 25.49% | 22.66% | 24.04% | 17.96% | -211 bps | |
| Deposit Growth (YoY) | 29.94% | 18.96% | 17.02% | 18.58% | 23.63% | 28.08% | 25.23% | 25.43% | +686 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.22% | 0.28% | 0.21% | 0.19% | 0.21% | 0.24% | 0.36% | +15 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | -0.02% | 0.55% | +55 bps | |
| Allowance / Loans | 0.57% | 0.57% | 0.59% | 0.59% | 0.57% | 0.57% | 0.57% | 0.54% | -5 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.6x | 2.1x | 2.9x | 3.0x | 2.7x | 2.4x | 1.5x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.32% | 9.35% | 9.38% | 9.19% | 9.65% | 9.37% | 9.49% | 9.55% | +35 bps | |
| Total Risk-Based Capital | 11.46% | 11.43% | 11.37% | 10.97% | 11.06% | 11.10% | 11.22% | 11.61% | +64 bps | |
| Equity / Assets | 9.97% | 10.06% | 10.10% | 9.78% | 10.23% | 10.07% | 10.21% | 10.30% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.35% | 94.48% | 92.59% | 92.01% | 91.72% | 90.48% | 91.72% | 86.53% | -548 bps | |
| Liquid Assets / Assets | 0.67% | 0.38% | 0.50% | 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 | n/a | n/a | n/a |