Sarasota, FL · Cert 35451
FDIC · 3 branches
Q4 2016
Market Position · North Port-Sarasota-Bradenton, FL · 2016 SOD (annual) · 0.9% share · #23 of 40 inst. · $0.2B of $19.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26%1 | -0.15% | -0.13% | -1.79% | 0.05%1 | 1.87% | -0.16% | -2.35% | -56 bps | |
| Return on Equity | 8.07% | -5.27% | -4.95% | -69.52% | 2.05% | 62.38% | -4.74% | -77.97% | -845 bps | |
| Net Interest Margin | 2.94% | 2.89% | 2.91% | 2.92% | 2.61% | 2.45% | 2.73% | 2.71% | -21 bps | |
| Efficiency Ratio | 99.65% | 104.67% | 104.02% | 156.69% | 110.31% | 127.22% | 105.12% | 181.87% | +2,519 bps | |
| Non-Interest Burden | 2.93% | 3.04% | 3.04% | 4.68% | 2.91% | 3.19% | 2.89% | 5.06% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | -0.60% | 0.02% | -1.45% | -3.16% | -1.02% | -7.23% | -12.84% | -1,139 bps | |
| Loan Growth (YoY) | -2.50% | -1.13% | -2.18% | -3.03% | -6.76% | -5.57% | -6.35% | -9.48% | -645 bps | |
| Deposit Growth (YoY) | -2.00% | -1.18% | -0.51% | -0.91% | -3.18% | -2.41% | -9.75% | -15.69% | -1,477 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 | 0.46% | 0.33% | -0.13% | -0.15% | -3.23% | 0.76% | 0.00% | 0.30% | +44 bps | |
| Allowance / Loans | 1.89% | 1.80% | 1.86% | 1.90% | 2.82% | 1.67% | 1.71% | 1.69% | -21 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 | 3.24% | 3.17% | 3.19% | 2.72% | 2.74% | 3.26% | 3.29% | 2.98% | +26 bps | |
| Total Risk-Based Capital | 7.38% | 7.30% | 7.34% | 6.50% | 7.01% | 7.65% | 7.85% | 6.62% | +12 bps | |
| Equity / Assets | 3.22% | 2.50% | 2.78% | 2.37% | 2.65% | 3.36% | 3.58% | 2.41% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.95% | 84.52% | 83.73% | 84.05% | 78.92% | 81.78% | 86.88% | 90.24% | +618 bps | |
| Liquid Assets / Assets | 7.24% | 2.53% | 4.53% | 4.54% | 15.10% | 13.92% | 11.06% | 8.96% | +442 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |