Saint Petersburg, FL · Cert 26280
FDIC · 13 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Saint Petersburg, FL · Cert 26280
FDIC · 13 branches
Q4 2014
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2014 SOD (annual) · 0.4% share · #23 of 66 inst. · $0.3B of $65.7B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.03% | -1.15% | -1.49% | -0.91% | 0.81% | 0.98% | 0.98% | 7.63% | +854 bps | |
| Return on Equity | -15.25% | -17.36% | -20.46% | -11.82% | 8.21% | 9.72% | 9.51% | 65.66% | +7,749 bps | |
| Net Interest Margin | 2.86% | 2.86% | 2.93% | 3.02% | 3.07% | 3.05% | 3.05% | 2.96% | -6 bps | |
| Efficiency Ratio | 98.65% | 109.00% | 119.85% | 113.45% | 100.26% | 94.15% | 93.31% | 92.08% | -2,137 bps | |
| Non-Interest Burden | 2.81% | 3.13% | 3.48% | 3.41% | 3.08% | 2.85% | 2.82% | 2.69% | -72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.91% | -15.90% | -14.49% | -12.10% | -6.98% | -6.27% | -4.81% | 5.35% | +1,745 bps | |
| Loan Growth (YoY) | -19.58% | -20.53% | -18.51% | -14.03% | -10.48% | -5.56% | -3.48% | -5.25% | +878 bps | |
| Deposit Growth (YoY) | -20.20% | -17.67% | -18.99% | -16.94% | -10.00% | -10.26% | -5.58% | -1.35% | +1,559 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.18% | 1.90% | 1.89% | 1.40% | -0.43% | -0.47% | -0.42% | -0.38% | -178 bps | |
| Allowance / Loans | 2.96% | 2.85% | 3.00% | 2.52% | 2.49% | 2.45% | 2.23% | 2.13% | -39 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.50% | 11.61% | 16.56% | 16.89% | 17.57% | 18.01% | 18.65% | 19.64% | +275 bps | |
| Equity / Assets | 6.82% | 6.43% | 9.36% | 9.58% | 10.04% | 10.60% | 10.92% | 16.62% | +704 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.23% | 76.96% | 79.37% | 81.28% | 79.81% | 80.99% | 81.14% | 78.07% | -321 bps | |
| Liquid Assets / Assets | 8.67% | 12.62% | 10.31% | 9.15% | 9.07% | 8.53% | 9.31% | 12.39% | +324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |