Tampa, FL · Cert 35066
FDIC · 6 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Tampa, FL · Cert 35066
FDIC · 6 branches
Q3 2015
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2015 SOD (annual) · 0.7% share · #19 of 66 inst. · $0.5B 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.58% | 0.86% | 0.79% | 0.81% | 0.95% | 0.09% | -0.64% | -143 bps | |
| Return on Equity | 6.02% | 4.87% | 7.11% | 6.53% | 6.57% | 7.38% | 0.70% | -5.44% | -1,197 bps | |
| Net Interest Margin | 3.56% | 3.50% | 3.41% | 3.45% | 3.79% | 3.76% | 3.48% | 3.55% | +10 bps | |
| Efficiency Ratio | 78.10% | 76.73% | 77.27% | 76.60% | 75.14% | 63.24% | 70.74% | 96.53% | +1,993 bps | |
| Non-Interest Burden | 2.58% | 2.57% | 2.53% | 2.55% | 2.76% | 2.14% | 2.32% | 3.38% | +82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.58% | 0.12% | 7.09% | 11.12% | -2.02% | 1.17% | 6.80% | -2.31% | -1,343 bps | |
| Loan Growth (YoY) | 8.96% | 8.48% | 1.90% | 4.03% | 8.74% | 7.68% | 14.30% | 13.15% | +911 bps | |
| Deposit Growth (YoY) | -24.06% | -3.31% | 5.45% | 10.30% | -3.32% | 3.05% | 9.29% | 3.25% | -704 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 | 0.20% | -0.11% | -0.03% | -0.01% | 0.00% | 0.01% | 0.01% | 1.27% | +128 bps | |
| Allowance / Loans | 1.12% | 1.18% | 1.22% | 1.17% | 1.17% | 1.23% | 1.89% | 1.35% | +19 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 | 12.25% | 10.98% | 7.55% | n/a | |
| Total Risk-Based Capital | 15.88% | 16.07% | 16.53% | 16.24% | 15.93% | 15.69% | 14.48% | 10.02% | -622 bps | |
| Equity / Assets | 11.98% | 12.06% | 12.19% | 12.21% | 13.04% | 12.76% | 11.82% | 9.37% | -284 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.50% | 81.24% | 79.05% | 81.36% | 91.67% | 84.89% | 82.68% | 89.15% | +780 bps | |
| Liquid Assets / Assets | 13.97% | 14.65% | 16.05% | 15.23% | 9.73% | 12.98% | 7.52% | 7.60% | -763 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |