Bradenton, FL · Cert 34092
FDIC · 33 branches
Q2 2016
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2016 SOD (annual) · 1.0% share · #14 of 64 inst. · $0.8B of $77.3B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.06% | 1.03% | 1.19% | 1.26% | +27 bps | |
| Return on Equity | 8.35% | 8.98% | 8.83% | 10.82% | 11.18% | +283 bps | |
| Net Interest Margin | 4.01% | 3.99% | 3.93% | 4.15% | 4.15% | +14 bps | |
| Efficiency Ratio | 61.32% | 60.45% | 61.97% | 59.90% | 58.61% | -271 bps | |
| Non-Interest Burden | 2.20% | 2.18% | 2.24% | 2.34% | 2.25% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.77% | 10.62% | 12.20% | 11.84% | 1.85% | -1,392 bps | |
| Loan Growth (YoY) | 27.99% | 22.46% | 21.34% | 16.17% | 1.60% | -2,639 bps | |
| Deposit Growth (YoY) | 7.14% | 8.54% | 10.17% | 12.67% | 6.20% | -95 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.13% | -0.12% | -0.11% | -0.19% | -0.08% | +5 bps | |
| Allowance / Loans | 0.57% | 0.57% | 0.56% | 0.56% | 0.53% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.97% | 11.75% | 10.97% | 11.13% | 11.54% | -43 bps | |
| Total Risk-Based Capital | 13.55% | 14.00% | 13.19% | 13.33% | 14.70% | +115 bps | |
| Equity / Assets | 11.56% | 11.61% | 11.07% | 10.98% | 11.81% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 111.45% | 109.45% | 111.69% | 107.51% | 106.62% | -483 bps | |
| Liquid Assets / Assets | 8.74% | 9.25% | 7.04% | 9.40% | 10.35% | +161 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |