Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (7.2). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Asset Mix:
Comm re (26%), securities (19%), comm loans (13%), home mtgs (13%), cash (9%), other (21%)
States with Branches:
FL, PR
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
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Address
3155 NW 77th Avenue
Miami, FL 33122
Miami, FL 33122
Phone Number
(305) 597-1721
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.