Bradenton, FL · Cert 57722
FDIC · 5 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 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.
Bradenton, FL · Cert 57722
FDIC · 5 branches
Q1 2015
Market Position · North Port-Sarasota-Bradenton, FL · 2014 SOD (annual) · 1.3% share · #19 of 43 inst. · $0.2B of $17.1B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.05% | 0.10% | 0.28% | 0.26% | 0.28% | 0.29% | 0.51% | +24 bps | |
| Return on Equity | 0.23% | 0.49% | 0.87% | 2.39% | 2.23% | 2.42% | 2.45% | 4.38% | +199 bps | |
| Net Interest Margin | 2.50% | 2.49% | 2.58% | 2.68% | 2.71% | 2.76% | 2.76% | 2.75% | +6 bps | |
| Efficiency Ratio | 79.93% | 83.95% | 85.62% | 88.33% | 89.10% | 86.95% | 85.66% | 78.37% | -997 bps | |
| Non-Interest Burden | 1.82% | 1.96% | 2.09% | 2.29% | 2.36% | 2.32% | 2.28% | 1.96% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.94% | 3.93% | 7.81% | 7.89% | 3.71% | 4.39% | 4.08% | 0.90% | -699 bps | |
| Loan Growth (YoY) | 1.20% | 3.12% | 6.19% | 10.12% | 13.40% | 10.67% | 10.99% | 4.59% | -553 bps | |
| Deposit Growth (YoY) | 2.56% | 2.64% | 6.84% | 6.99% | 4.16% | 4.82% | 4.37% | 0.59% | -640 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 | 1.23% | 0.79% | 0.77% | 0.72% | 0.51% | 0.42% | 0.32% | 0.02% | -71 bps | |
| Allowance / Loans | 1.59% | 1.56% | 1.39% | 1.15% | 1.06% | 0.95% | 0.91% | 0.92% | -23 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 | 10.69% | n/a | n/a |
| Total Risk-Based Capital | 14.24% | 13.83% | 13.28% | 12.78% | 12.65% | 12.82% | 12.72% | 14.07% | +129 bps | |
| Equity / Assets | 11.62% | 11.88% | 11.95% | 11.27% | 11.43% | 11.72% | 11.88% | 11.57% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.68% | 79.63% | 81.95% | 79.51% | 81.31% | 84.08% | 87.16% | 82.67% | +316 bps | |
| Liquid Assets / Assets | 15.43% | 11.50% | 9.47% | 12.57% | 12.22% | 11.45% | 8.98% | 9.04% | -352 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |