Brandon, FL · Cert 34620
FDIC · 7 branches
Q1 2017
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2016 SOD (annual) · 0.4% share · #26 of 64 inst. · $0.3B 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 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.11% | 1.10% | 1.18% | 1.08% | 1.16% | 1.23% | -2.13% | -331 bps | |
| Return on Equity | 10.65% | 10.94% | 10.81% | 12.39% | 11.53% | 12.44% | 13.06% | -25.91% | -3,830 bps | |
| Net Interest Margin | 3.57% | 3.57% | 3.50% | 3.68% | 3.57% | 3.62% | 3.63% | 3.56% | -12 bps | |
| Efficiency Ratio | 69.81% | 69.33% | 69.65% | 67.21% | 66.90% | 66.09% | 65.27% | 160.03% | +9,283 bps | |
| Non-Interest Burden | 2.49% | 2.46% | 2.42% | 2.45% | 2.35% | 2.35% | 2.33% | 5.74% | +329 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.96% | 19.40% | 13.22% | 7.44% | 5.23% | 5.41% | -1.41% | 3.37% | -407 bps | |
| Loan Growth (YoY) | 17.36% | 16.00% | 7.32% | 5.05% | 2.30% | 5.87% | 6.02% | 5.23% | +17 bps | |
| Deposit Growth (YoY) | 20.46% | 21.97% | 14.82% | 9.20% | 7.90% | 8.04% | -0.75% | 4.78% | -442 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | +33 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.01% | 0.07% | 0.02% | 0.02% | 0.05% | +4 bps | |
| Allowance / Loans | 1.14% | 1.14% | 1.11% | 1.09% | 1.15% | 1.12% | 1.11% | 1.09% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.3x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.04% | 10.27% | 10.27% | 9.46% | 8.99% | 9.39% | 9.73% | 7.26% | -220 bps | |
| Total Risk-Based Capital | 13.70% | 13.89% | 14.07% | 12.87% | 12.62% | 12.51% | 12.79% | 9.77% | -311 bps | |
| Equity / Assets | 9.93% | 10.08% | 10.14% | 8.96% | 8.95% | 9.15% | 9.84% | 6.76% | -219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.33% | 93.24% | 92.94% | 88.87% | 89.44% | 91.37% | 99.27% | 89.25% | +38 bps | |
| Liquid Assets / Assets | 12.49% | 13.18% | 12.95% | 13.99% | 13.43% | 12.81% | 7.83% | 13.63% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |