Tampa, FL · Cert 27045
FDIC · 6 branches
Q3 2021
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2021 SOD (annual) · 0.4% share · #26 of 56 inst. · $0.5B of $117.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.74% | 1.58% | 1.12% | 1.12% | 1.74% | 2.03% | 2.72% | +161 bps | |
| Return on Equity | 7.23% | 7.34% | 17.48% | 13.33% | 13.16% | 20.93% | 23.96% | 30.27% | +1,694 bps | |
| Net Interest Margin | 3.09% | 3.05% | 4.02% | 3.56% | 3.26% | 3.74% | 3.94% | 3.92% | +36 bps | |
| Efficiency Ratio | 71.02% | 68.54% | 45.78% | 47.72% | 54.84% | 43.31% | 42.05% | 38.95% | -877 bps | |
| Non-Interest Burden | 2.00% | 1.92% | 1.23% | 0.94% | 1.14% | 0.74% | 0.77% | 0.36% | -58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.34% | 18.76% | 45.54% | 37.74% | 42.13% | 43.98% | 10.33% | 8.77% | -2,897 bps | |
| Loan Growth (YoY) | 19.09% | 18.52% | 47.31% | 41.26% | 39.27% | 51.89% | 10.78% | 7.44% | -3,382 bps | |
| Deposit Growth (YoY) | 20.69% | 20.69% | 36.97% | 22.51% | 30.91% | 30.70% | 16.66% | 28.51% | +600 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.06% | 0.04% | 0.05% | 0.05% | 0.09% | 0.10% | 0.08% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.35% | 0.07% | -0.03% | 0.00% | 0.05% | -30 bps | |
| Allowance / Loans | 0.65% | 0.68% | 0.70% | 0.79% | 0.83% | 0.82% | 0.89% | 0.89% | +10 bps | |
| Allowance Coverage of NPLs | 10.0x | 11.6x | 16.9x | 16.3x | 17.9x | 9.3x | 8.8x | 11.2x | -5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 9.78% | 9.00% | 9.75% | 9.80% | 9.52% | 9.32% | 9.45% | -30 bps | |
| Total Risk-Based Capital | 12.19% | 9.78% | 9.00% | 9.75% | 9.80% | 9.52% | 9.32% | 9.45% | -30 bps | |
| Equity / Assets | 10.18% | 10.04% | 8.22% | 8.52% | 8.48% | 8.14% | 8.83% | 9.15% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.57% | 91.10% | 102.37% | 111.47% | 101.68% | 105.87% | 97.21% | 93.19% | -1,828 bps | |
| Liquid Assets / Assets | 2.35% | 2.78% | 3.26% | 1.82% | 1.42% | 1.24% | 3.29% | 6.73% | +492 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |