Saint Petersburg, FL · Cert 34948
FDIC · 4 branches
Q1 2016
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2015 SOD (annual) · 0.3% share · #30 of 66 inst. · $0.2B of $69.9B
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.65% | 0.68% | 0.69% | 0.90% | +33 bps | |
| Return on Equity | 4.99% | 5.71% | 6.01% | 6.05% | 7.92% | +293 bps | |
| Net Interest Margin | 3.37% | 3.35% | 3.36% | 3.33% | 3.72% | +35 bps | |
| Efficiency Ratio | 80.28% | 78.11% | 75.73% | 75.08% | 62.88% | -1,740 bps | |
| Non-Interest Burden | 2.59% | 2.49% | 2.42% | 2.38% | 2.18% | -40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.36% | 8.34% | 9.94% | 10.48% | 4.01% | -34 bps | |
| Loan Growth (YoY) | 9.27% | 14.45% | 22.51% | 19.39% | 10.45% | +118 bps | |
| Deposit Growth (YoY) | -1.21% | 5.86% | 6.28% | 6.44% | 4.31% | +552 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.13% | 0.01% | -0.01% | 0.02% | 0.18% | +31 bps | |
| Allowance / Loans | 1.10% | 1.05% | 1.04% | 1.00% | 1.02% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.20% | 10.22% | 10.28% | 10.22% | 10.31% | +11 bps | |
| Total Risk-Based Capital | 12.53% | 12.51% | 12.21% | 12.00% | 12.54% | +1 bps | |
| Equity / Assets | 11.29% | 11.13% | 11.30% | 11.19% | 11.53% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.50% | 86.46% | 89.86% | 96.48% | 92.65% | +515 bps | |
| Liquid Assets / Assets | 2.55% | 2.72% | 1.99% | 2.22% | 2.20% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |