New York, NY · Cert 35011
FDIC · 7 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New York, NY · Cert 35011
FDIC · 7 branches
Q4 2014
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2014 SOD (annual) · 1.2% share · #13 of 66 inst. · $0.8B of $65.7B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.00% | 0.93% | 0.99% | 1.06% | 1.30% | 1.30% | 1.31% | +32 bps | |
| Return on Equity | 6.54% | 6.34% | 5.99% | 6.33% | 6.82% | 8.29% | 8.17% | 8.05% | +172 bps | |
| Net Interest Margin | 2.48% | 2.47% | 2.52% | 2.58% | 2.83% | 3.09% | 3.13% | 3.27% | +69 bps | |
| Efficiency Ratio | 36.27% | 41.33% | 42.13% | 40.60% | 42.13% | 35.44% | 34.16% | 35.23% | -537 bps | |
| Non-Interest Burden | 0.78% | 0.79% | 0.84% | 0.85% | 1.08% | 0.99% | 0.98% | 1.06% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.83% | -14.34% | -9.60% | -5.89% | -1.59% | -1.16% | -4.25% | -6.06% | -17 bps | |
| Loan Growth (YoY) | -6.33% | -7.10% | -4.68% | 1.90% | 5.63% | 9.66% | 6.83% | 0.50% | -141 bps | |
| Deposit Growth (YoY) | -17.39% | -16.26% | -9.81% | -5.97% | -0.99% | -1.55% | -6.25% | -8.44% | -247 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.41% | -0.02% | -0.02% | -0.02% | -0.03% | -0.05% | -0.03% | 0.01% | +4 bps | |
| Allowance / Loans | 2.61% | 2.50% | 2.43% | 2.47% | 2.40% | 2.30% | 2.27% | 2.22% | -24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 22.17% | 22.25% | 20.48% | 20.91% | 21.10% | 21.45% | 21.48% | 22.97% | +205 bps | |
| Equity / Assets | 16.06% | 15.86% | 15.01% | 15.49% | 15.47% | 16.07% | 16.76% | 17.63% | +214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.82% | 79.40% | 82.47% | 85.90% | 85.16% | 88.43% | 93.98% | 94.29% | +839 bps | |
| Liquid Assets / Assets | 30.50% | 31.31% | 28.39% | 26.06% | 26.97% | 25.31% | 0.94% | 7.69% | -1,837 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |