Miami, FL · Cert 59049
FDIC · 190 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Miami, FL · Cert 59049
FDIC · 190 branches
Q3 2017
Market Position · Raleigh, NC · 2017 SOD (annual) · 4.4% share · #6 of 35 inst. · $1.2B of $27.1B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.64% | 0.83% | 0.90% | 0.81% | 0.90% | 0.98% | 1.02% | +12 bps | |
| Return on Equity | 6.20% | 4.90% | 6.42% | 7.06% | 6.26% | 6.73% | 7.28% | 7.54% | +47 bps | |
| Net Interest Margin | 3.48% | 3.45% | 3.44% | 3.41% | 2.99% | 3.54% | 3.53% | 3.55% | +14 bps | |
| Efficiency Ratio | 64.86% | 67.32% | 61.31% | 60.44% | 64.86% | 59.56% | 57.07% | 55.16% | -527 bps | |
| Non-Interest Burden | 2.06% | 2.27% | 1.97% | 1.89% | 1.77% | 1.85% | 1.76% | 1.70% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.09% | 7.27% | 8.20% | 7.30% | 33.35% | 35.03% | 32.37% | 30.17% | +2,287 bps | |
| Loan Growth (YoY) | 12.65% | 10.97% | 10.34% | 9.82% | 31.49% | 33.31% | 31.77% | 28.25% | +1,842 bps | |
| Deposit Growth (YoY) | 12.16% | 8.09% | 4.55% | 8.06% | 33.64% | 35.68% | 37.07% | 33.00% | +2,495 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | 0.32% | 0.38% | +38 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.08% | 0.09% | 0.09% | 0.10% | 0.14% | 0.11% | 0.11% | +2 bps | |
| Allowance / Loans | 0.80% | 0.80% | 0.78% | 0.74% | 0.58% | 0.58% | 0.59% | 0.60% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.8x | 1.9x | 1.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 11.10% | 10.42% | 10.53% | 11.23% | 10.67% | 10.74% | 10.87% | +34 bps | |
| Total Risk-Based Capital | 13.68% | 13.72% | 12.72% | 12.70% | 12.93% | 12.88% | 13.06% | 13.23% | +53 bps | |
| Equity / Assets | 12.98% | 13.21% | 12.44% | 12.42% | 13.47% | 13.37% | 13.62% | 13.77% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.54% | 93.47% | 96.45% | 96.11% | 93.01% | 91.84% | 92.72% | 92.67% | -344 bps | |
| Liquid Assets / Assets | 7.10% | 7.40% | 7.93% | 7.47% | 6.70% | 5.01% | 4.75% | 4.92% | -255 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |