Trinity, FL · Cert 57789
FDIC · 4 branches
Q2 2017
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2017 SOD (annual) · 0.2% share · #38 of 63 inst. · $0.1B of $81.9B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.73% | 0.77% | 0.86% | 0.91% | +23 bps | |
| Return on Equity | 5.86% | 6.08% | 6.43% | 6.99% | 7.35% | +148 bps | |
| Net Interest Margin | 3.35% | 3.56% | 3.66% | 3.78% | 3.77% | +42 bps | |
| Efficiency Ratio | 68.69% | 67.85% | 66.37% | 64.24% | 62.81% | -588 bps | |
| Non-Interest Burden | 2.21% | 2.31% | 2.32% | 2.32% | 2.26% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.28% | 5.06% | 8.72% | 5.13% | -0.22% | -1,950 bps | |
| Loan Growth (YoY) | 12.76% | 11.66% | 22.75% | 18.41% | 10.63% | -213 bps | |
| Deposit Growth (YoY) | 21.99% | 1.05% | 0.76% | 3.30% | -2.40% | -2,439 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.25% | 0.74% | +74 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.03% | 0.02% | -0.01% | -0.01% | -7 bps | |
| Allowance / Loans | 1.02% | 1.01% | 0.93% | 0.92% | 0.93% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 3.6x | 1.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.02% | 10.75% | 11.17% | 11.00% | 11.13% | +111 bps | |
| Total Risk-Based Capital | 12.70% | 13.00% | 12.39% | 12.62% | 13.25% | +55 bps | |
| Equity / Assets | 11.89% | 12.93% | 12.21% | 12.39% | 12.75% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.72% | 97.75% | 102.43% | 98.57% | 98.29% | +1,158 bps | |
| Liquid Assets / Assets | 11.12% | 5.27% | 4.25% | 4.08% | 4.63% | -649 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |