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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 0.11% | 0.23% | 0.28% | 0.24% | 0.32% | 0.30% | 0.51% | +24 bps | |
| Return on Equity | -1.09% | 0.93% | 1.91% | 2.39% | 2.08% | 2.78% | 2.55% | 4.38% | +199 bps | |
| Net Interest Margin | 2.51% | 2.52% | 2.71% | 2.68% | 2.79% | 2.80% | 2.79% | 2.75% | +6 bps | |
| Efficiency Ratio | 90.11% | 92.35% | 90.56% | 88.33% | 89.90% | 82.96% | 81.70% | 78.37% | -997 bps | |
| Non-Interest Burden | 2.22% | 2.28% | 2.39% | 2.29% | 2.47% | 2.20% | 2.19% | 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 | 0.33% | 0.01% | 0.74% | 0.72% | 0.30% | 0.25% | 0.07% | 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 |