North Miami, FL · Charter 67677
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
North Miami, FL · Charter 67677
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 2.13% | 1.66% | -1.66% | -1.30% | -0.55% | -0.69% | -1.74% | -8 bps | |
| Return on Equity | 9.53% | 22.55% | 16.49% | -19.80% | -15.48% | -6.98% | -10.85% | -30.31% | -1,050 bps | |
| Net Interest Margin | 2.07% | 1.89% | 1.94% | 1.90% | 1.83% | 1.61% | 1.75% | 1.76% | -14 bps | |
| Efficiency Ratio | 80.67% | 69.95% | 72.65% | 119.09% | 111.17% | 106.72% | 107.78% | 120.35% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.72% | 2.33% | 2.53% | -0.83% | 0.20% | -4.26% | -3.79% | -4.47% | -364 bps | |
| Loan Growth (YoY) | 36.94% | 30.29% | 30.97% | 33.47% | 38.67% | 30.48% | 16.15% | -0.27% | -3,374 bps | |
| Share Growth (YoY) | -0.47% | 2.14% | 0.62% | -0.56% | 0.68% | -2.83% | 0.44% | -0.79% | -23 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.24% | 0.26% | 0.04% | 0.17% | 0.26% | 0.22% | 0.57% | +54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.08% | 1.37% | 1.31% | 1.21% | 1.21% | 1.31% | 1.55% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.74% | 9.42% | 10.09% | 8.39% | 8.42% | 7.82% | 6.37% | 5.73% | -265 bps | |
| Net Worth / Assets | 9.74% | 9.42% | 10.09% | 8.39% | 8.42% | 7.82% | 6.37% | 5.73% | -265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.67% | 25.57% | 29.52% | 33.26% | 36.74% | 34.34% | 34.13% | 33.44% | +18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |