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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.58% | 1.13%1 | 0.66% | 0.85% | 0.95% | -0.73% | -2.05% | -271 bps | |
| Return on Equity | 6.16% | 4.87% | 9.33% | 5.40% | 6.70% | 7.38% | -5.99% | -19.27% | -2,467 bps | |
| Net Interest Margin | 3.71% | 3.50% | 3.39% | 3.55% | 4.74% | 3.76% | 3.47% | 3.62% | +7 bps | |
| Efficiency Ratio | 83.05% | 76.73% | 77.81% | 75.22% | 71.73% | 63.24% | 78.82% | 149.44% | +7,422 bps | |
| Non-Interest Burden | 2.98% | 2.57% | 2.53% | 2.62% | 3.33% | 2.14% | 2.65% | 5.46% | +284 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 | 0.08% | -0.11% | 0.05% | 0.04% | 0.04% | 0.01% | 0.01% | 3.80% | +376 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 |