PackageTrendsPeer
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Sun Bank Treasure Coast NA

Fort Pierce, FL · Cert 24202

FDIC

Q1 1997

$798.7MAssets
$573.4MLoans
$604.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.09%, down 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 94.94% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.09%-2 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.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.44%1.43%1.45%1.11%1.15%1.12%1.01%1.09%-2 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)3.27%4.17%11.18%21.34%16.60%14.24%7.28%2.57%-1,878 bps
Loan Growth (YoY)-1.27%-2.11%-2.30%5.65%7.59%7.10%7.34%5.96%+31 bps
Deposit Growth (YoY)4.82%7.33%20.66%23.27%7.65%6.41%-4.91%-12.69%-3,596 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 / Deposits88.56%95.73%83.75%78.23%88.51%96.35%94.54%94.94%+1,671 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