Plant City, FL · Cert 34747
FDIC · 3 branches
Q3 2021
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2021 SOD (annual) · 0.2% share · #34 of 56 inst. · $0.2B 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 | 1.45% | 1.25% | 0.99% | 0.90% | 0.95% | 0.68% | 0.56% | -1.09% | -198 bps | |
| Return on Equity | 10.32% | 9.22% | 7.99% | 7.31% | 7.74% | 5.74% | 5.30% | -10.90% | -1,821 bps | |
| Net Interest Margin | 3.46% | 3.36% | 2.71% | 2.60% | 2.65% | 2.50% | 2.10% | 1.87% | -72 bps | |
| Efficiency Ratio | 51.77% | 56.32% | 61.74% | 61.00% | 59.48% | 69.19% | 70.22% | 260% | +19,895 bps | |
| Non-Interest Burden | 1.72% | 1.82% | 1.63% | 1.54% | 1.52% | 1.69% | 1.44% | 3.89% | +235 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.62% | 6.30% | 20.80% | 15.81% | 24.03% | 31.11% | 28.79% | 26.67% | +1,086 bps | |
| Loan Growth (YoY) | -11.48% | -10.01% | -5.68% | 0.51% | 1.36% | 1.61% | -5.25% | -7.44% | -795 bps | |
| Deposit Growth (YoY) | 5.78% | 6.93% | 22.78% | 17.40% | 27.15% | 33.45% | 32.16% | 29.92% | +1,252 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.02% | -0.01% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.26% | 1.31% | 1.32% | 1.30% | 1.25% | 1.29% | 1.39% | 1.40% | +11 bps | |
| Allowance Coverage of NPLs | 12.7x | n/a | n/a | n/a | n/a | n/a | 29.3x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.71% | 13.20% | 11.81% | 11.44% | 11.90% | 11.44% | 10.22% | 9.13% | -231 bps | |
| Total Risk-Based Capital | 25.18% | 24.82% | 23.47% | 23.86% | 23.27% | 23.37% | 22.72% | 28.09% | +424 bps | |
| Equity / Assets | 14.21% | 12.95% | 11.95% | 12.59% | 12.07% | 11.50% | 9.92% | 10.00% | -260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.14% | 59.08% | 48.30% | 51.10% | 49.54% | 44.98% | 34.63% | 36.40% | -1,469 bps | |
| Liquid Assets / Assets | 20.03% | 17.77% | 29.80% | 25.26% | 28.57% | 32.25% | 44.81% | 46.32% | +2,107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |