Plant City, FL · Cert 30750
FDIC · 18 branches
Q4 2017
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2017 SOD (annual) · 0.4% share · #24 of 63 inst. · $0.3B of $81.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.17% | 0.31% | -0.14% | 0.76% | 0.82% | 0.73% | -2.96% | -282 bps | |
| Return on Equity | 1.31% | 1.30% | 2.26% | -1.09% | 6.14% | 6.61% | 5.76% | -22.86% | -2,176 bps | |
| Net Interest Margin | 3.27% | 3.30% | 3.48% | 3.57% | 3.39% | 3.58% | 3.64% | 3.66% | +9 bps | |
| Efficiency Ratio | 93.84% | 87.48% | 88.15% | 100.97% | 66.53% | 66.34% | 69.51% | 183.95% | +8,299 bps | |
| Non-Interest Burden | 2.99% | 2.74% | 2.96% | 3.54% | 2.09% | 2.20% | 2.38% | 6.97% | +343 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 111.24% | 7.86% | 27.53% | 83.54% | 82.78% | 85.75% | 67.35% | 1.55% | -8,199 bps | |
| Loan Growth (YoY) | 182.18% | 21.20% | 23.40% | 108.61% | 103.71% | 88.91% | 76.92% | 2.69% | -10,592 bps | |
| Deposit Growth (YoY) | 113.54% | 13.11% | 24.60% | 78.46% | 81.56% | 93.22% | 70.33% | -1.40% | -7,985 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | 0.10% | 0.16% | 0.25% | +25 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.05% | -0.25% | -0.21% | -0.02% | -0.02% | -0.03% | +22 bps | |
| Allowance / Loans | 0.74% | 0.77% | 0.71% | 0.48% | 0.52% | 0.52% | 0.52% | 0.53% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 6.2x | 5.2x | 3.3x | 2.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 12.11% | 12.62% | 12.10% | 10.30% | 10.59% | 10.70% | 11.06% | -104 bps | |
| Total Risk-Based Capital | 15.56% | 15.44% | 15.84% | 13.39% | 13.21% | 13.43% | 13.67% | 13.69% | +30 bps | |
| Equity / Assets | 12.96% | 13.84% | 13.62% | 12.45% | 12.34% | 12.58% | 12.94% | 12.95% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.82% | 92.82% | 90.14% | 93.75% | 89.56% | 90.75% | 93.62% | 97.64% | +388 bps | |
| Liquid Assets / Assets | 6.62% | 2.69% | 3.00% | 2.60% | 3.50% | 2.31% | 1.16% | 0.96% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |