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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -1.29% | -2.21% | 0.91% | 0.81% | 1.15% | 0.97% | 27.28% | +2,637 bps | |
| Return on Equity | -15.25% | -19.48% | -28.03% | 9.64% | 8.21% | 11.18% | 9.05% | 196.38% | +18,675 bps | |
| Net Interest Margin | 2.86% | 2.81% | 2.90% | 3.12% | 3.07% | 3.00% | 3.01% | 2.87% | -25 bps | |
| Efficiency Ratio | 98.65% | 122.32% | 152.29% | 96.99% | 100.26% | 87.71% | 91.59% | 88.19% | -880 bps | |
| Non-Interest Burden | 2.81% | 3.40% | 3.99% | 3.02% | 3.08% | 2.58% | 2.72% | 2.49% | -53 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% | 1.49% | 1.73% | -0.06% | -0.43% | -0.50% | -0.31% | -0.25% | -20 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 |