Miami, FL · Charter 67941
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.15% | 0.41% | 0.47% | 0.55% | 0.42% | -21.32% | -14.67% | -1,514 bps | |
| Return on Equity | 0.81% | 0.57% | 1.58% | 1.87% | 1.86% | 1.48% | -120.83% | -80.72% | -8,259 bps | |
| Net Interest Margin | 3.74% | 3.54% | 3.74% | 3.72% | 4.24% | 3.92% | -11.92% | -6.71% | -1,043 bps | |
| Efficiency Ratio | 80.19% | 86.02% | 80.03% | 78.29% | 78.08% | 79.80% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.92% | -15.42% | -16.83% | -12.80% | -7.26% | -7.85% | -13.75% | -17.87% | -507 bps | |
| Loan Growth (YoY) | -31.46% | -12.91% | -12.25% | 11.82% | 25.20% | 11.84% | 2.08% | 4.70% | -712 bps | |
| Share Growth (YoY) | -23.26% | -19.73% | -21.41% | -16.79% | -10.67% | -11.41% | -4.29% | -9.67% | +712 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.94% | 0.96% | 1.14% | 1.31% | 1.48% | 1.51% | 1.76% | 1.84% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.72% | 25.49% | 25.72% | 25.40% | 29.36% | 28.25% | 17.65% | 18.17% | -723 bps | |
| Net Worth / Assets | 26.72% | 25.49% | 25.72% | 25.40% | 29.36% | 28.25% | 17.65% | 18.17% | -723 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.49% | 61.46% | 64.86% | 65.50% | 80.58% | 77.60% | 69.18% | 75.92% | +1,042 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |