Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.1 and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Excellent asset quality (7.1). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.2) profitability.
Asset Mix:
Cash (33%), comm re (30%), home mtgs (20%), home eq lns (5%), consumer loans (0%), comm loans (0%), other (11%)
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
9190 Coral Way
Miami, FL 33165
Miami, FL 33165
Phone Number
(305) 223-1434
Year Founded
1976
FDIC Number
Website
Largest Affiliates
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