Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 11.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.5 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Good (5.1) profitability.
Asset Mix:
Comm re (27%), securities (21%), home mtgs (14%), comm loans (10%), cash (2%), home eq lns (2%), consumer loans (0%), other (24%)
States with Branches:
FL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Empresas Juan Yarur SpA
Investment Rating
--
Address
25 West Flagler Street
Miami, FL 33101
Miami, FL 33101
Phone Number
(305) 448-6500
Year Founded
1970
FDIC Number
Website
Largest Affiliates
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