Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (3.4) profitability. A current level of 4.1 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Asset Mix:
Comm re (28%), securities (22%), home mtgs (13%), comm loans (11%), cash (2%), home eq lns (1%), consumer loans (0%), other (22%)
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
FDIC Number
Website
Largest Affiliates
No affiliate information available.