Fort Pierce, FL · Cert 57559
FDIC · 8 branches
Q1 2019
Market Position · Sebastian-Vero Beach, FL · 2018 SOD (annual) · 4.6% share · #10 of 17 inst. · $0.2B of $4.6B
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.14% | 1.04% | 1.05% | -0.30% | -151 bps | |
| Return on Equity | 13.48% | 12.77% | 11.72% | 11.77% | -3.59% | -1,707 bps | |
| Net Interest Margin | 3.25% | 2.96% | 3.11% | 2.98% | 3.06% | -19 bps | |
| Efficiency Ratio | 57.69% | 59.19% | 60.86% | 60.37% | 109.57% | +5,188 bps | |
| Non-Interest Burden | 1.54% | 1.46% | 1.66% | 1.55% | 3.39% | +184 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.86% | 11.77% | 15.50% | 12.67% | 6.80% | -705 bps | |
| Loan Growth (YoY) | 13.13% | 8.54% | 17.88% | 9.17% | 7.99% | -515 bps | |
| Deposit Growth (YoY) | 12.19% | 13.20% | 15.78% | 15.84% | 12.10% | -8 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.76% | 0.77% | 0.75% | 0.78% | 0.80% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 44.5x | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.17% | 8.63% | 9.16% | 9.13% | 7.52% | -165 bps | |
| Total Risk-Based Capital | 16.61% | 17.02% | 17.06% | 17.56% | 14.82% | -178 bps | |
| Equity / Assets | 8.87% | 8.70% | 8.93% | 9.12% | 7.47% | -140 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.64% | 103.40% | 110.84% | 106.60% | 104.65% | -399 bps | |
| Liquid Assets / Assets | 2.35% | 2.72% | 2.94% | 1.70% | 3.97% | +161 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |