Tampa, FL · Cert 26970
FDIC · 8 branches
Q1 2015
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2014 SOD (annual) · 0.1% share · #57 of 66 inst. · $0.0B 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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.74% | 0.89% | 0.12% | 0.25% | -21 bps | |
| Return on Equity | 1.51% | 2.31% | 2.69% | 0.35% | 0.71% | -80 bps | |
| Net Interest Margin | 1.80% | 1.90% | 2.06% | 2.22% | 2.95% | +115 bps | |
| Efficiency Ratio | 87.65% | 81.33% | 77.76% | 104.63% | 93.17% | +552 bps | |
| Non-Interest Burden | 1.04% | 0.69% | 0.67% | 2.49% | 2.12% | +108 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.75% | -0.85% | 9.34% | -11.61% | -11.94% | -1,269 bps | |
| Loan Growth (YoY) | -28.65% | 53.18% | 53.55% | -4.86% | -8.23% | +2,042 bps | |
| Deposit Growth (YoY) | -15.49% | -19.76% | -9.68% | -17.84% | -18.01% | -253 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.57% | 1.23% | 0.72% | 1.44% | 0.61% | +4 bps | |
| Allowance / Loans | 4.62% | 4.40% | 3.88% | 3.97% | 3.97% | -65 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 | 25.49% | n/a | n/a |
| Total Risk-Based Capital | 36.85% | 38.74% | 37.80% | 41.28% | 46.61% | +976 bps | |
| Equity / Assets | 31.03% | 33.40% | 32.85% | 36.20% | 35.97% | +494 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.13% | 59.55% | 62.62% | 65.11% | 61.71% | +658 bps | |
| Liquid Assets / Assets | 21.65% | 18.61% | 19.38% | 17.01% | 20.07% | -158 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |