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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 0.21% | 0.10% | 0.76% | 0.79% | 0.78% | -0.16% | -25 bps | |
| Return on Equity | 1.31% | 1.32% | 1.66% | 0.75% | 6.14% | 6.38% | 6.17% | -1.24% | -199 bps | |
| Net Interest Margin | 3.27% | 3.31% | 3.25% | 2.51% | 3.39% | 3.49% | 3.52% | 3.59% | +108 bps | |
| Efficiency Ratio | 93.84% | 90.53% | 89.72% | 93.53% | 66.53% | 66.44% | 67.48% | 97.00% | +347 bps | |
| Non-Interest Burden | 2.99% | 2.88% | 2.81% | 2.28% | 2.09% | 2.14% | 2.21% | 3.42% | +115 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% | -0.02% | 0.01% | -0.06% | -0.21% | -0.11% | -0.08% | -0.07% | -1 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 |