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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.64% | 1.01% | 1.05% | 0.63% | 0.90% | 1.06% | 1.10% | +6 bps | |
| Return on Equity | 6.96% | 4.90% | 7.89% | 8.43% | 4.85% | 6.73% | 7.82% | 8.05% | -38 bps | |
| Net Interest Margin | 3.54% | 3.45% | 3.45% | 3.45% | 3.55% | 3.54% | 3.59% | 3.62% | +16 bps | |
| Efficiency Ratio | 61.28% | 67.32% | 55.99% | 58.84% | 74.96% | 59.56% | 54.64% | 51.36% | -748 bps | |
| Non-Interest Burden | 1.93% | 2.27% | 1.68% | 1.78% | 2.47% | 1.85% | 1.69% | 1.61% | -18 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 | 0.17% | 0.08% | 0.11% | 0.10% | 0.16% | 0.14% | 0.08% | 0.12% | +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 |