PackageTrendsPeer
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Sun Bank of Tampa Bay

Tampa, FL · Cert 132

FDIC

Q4 1999

$2.9BAssets
$2.2BLoans
$1.9BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.55%, down 14 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 113.47% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.55%-14 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.50%1.50%1.45%1.69%1.52%1.57%1.60%1.55%-14 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)7.78%10.06%21.85%6.02%7.79%2.32%-4.18%10.11%+409 bps
Loan Growth (YoY)12.25%8.93%9.98%11.39%5.36%11.18%15.00%20.29%+890 bps
Deposit Growth (YoY)2.52%4.31%3.94%10.04%4.36%3.60%1.96%0.02%-1,002 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits96.84%97.35%99.20%94.35%97.77%104.46%111.88%113.47%+1,912 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a