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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.91% | 0.81% | 0.98% | 0.98% | 7.63% | +854 bps | |
| Return on Equity | -11.82% | 8.21% | 9.72% | 9.51% | 65.66% | +7,749 bps | |
| Net Interest Margin | 3.02% | 3.07% | 3.05% | 3.05% | 2.96% | -6 bps | |
| Efficiency Ratio | 113.45% | 100.26% | 94.15% | 93.31% | 92.08% | -2,137 bps | |
| Non-Interest Burden | 3.41% | 3.08% | 2.85% | 2.82% | 2.69% | -72 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.10% | -6.98% | -6.27% | -4.81% | 5.35% | +1,745 bps | |
| Loan Growth (YoY) | -14.03% | -10.48% | -5.56% | -3.48% | -5.25% | +878 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 1.40% | -0.43% | -0.47% | -0.42% | -0.38% | -178 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.89% | 17.57% | 18.01% | 18.65% | 19.64% | +275 bps | |
| Equity / Assets | 9.58% | 10.04% | 10.60% | 10.92% | 16.62% | +704 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.28% | 79.81% | 80.99% | 81.14% | 78.07% | -321 bps | |
| Liquid Assets / Assets | 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 |