Indiantown, FL · Cert 18149
FDIC · 41 branches
Q4 2017
Market Position · Port St. Lucie, FL · 2017 SOD (annual) · 4.0% share · #10 of 20 inst. · $0.4B of $9.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.63% | 0.55% | 0.56% | 0.35% | -4 bps | |
| Return on Equity | 3.31% | 5.57% | 4.86% | 4.91% | 3.12% | -19 bps | |
| Net Interest Margin | 3.34% | 3.37% | 3.29% | 3.14% | 3.15% | -19 bps | |
| Efficiency Ratio | 73.41% | 73.03% | 71.32% | 70.72% | 69.37% | -404 bps | |
| Non-Interest Burden | 2.41% | 2.34% | 2.24% | 2.12% | 2.08% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.40% | 6.97% | 5.91% | 21.97% | 21.91% | +1,851 bps | |
| Loan Growth (YoY) | 8.62% | 8.28% | 6.46% | 29.49% | 26.26% | +1,765 bps | |
| Deposit Growth (YoY) | 5.48% | 9.41% | 8.36% | 18.59% | 17.98% | +1,250 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 3.16% | 2.80% | 2.09% | 2.10% | +210 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.38% | 0.39% | 0.21% | 0.18% | +10 bps | |
| Allowance / Loans | 0.71% | 0.61% | 0.66% | 0.60% | 0.63% | -8 bps | |
| Allowance Coverage of NPLs | n/a | 0.2x | 0.2x | 0.3x | 0.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.57% | 10.52% | 10.25% | 10.76% | 9.75% | -82 bps | |
| Total Risk-Based Capital | 16.41% | 16.11% | 16.05% | 15.48% | 14.54% | -186 bps | |
| Equity / Assets | 11.54% | 11.16% | 11.27% | 11.88% | 11.04% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.47% | 67.80% | 67.39% | 75.22% | 76.48% | +502 bps | |
| Liquid Assets / Assets | 10.39% | 10.96% | 10.99% | 9.31% | 9.19% | -120 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |