Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.9). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 9.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (3.8) profitability.
Asset Mix:
Comm re (28%), home mtgs (22%), securities (19%), cash (8%), comm loans (2%), consumer loans (0%), other (21%)
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
Investment Rating
--
Address
3191 Coral Way
Miami, FL 33145
Miami, FL 33145
Phone Number
(305) 448-4898
Year Founded
1985
FDIC Number
Website
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