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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.53% | 0.65% | 0.72% | 0.79% | 0.93% | 0.86% | 0.97% | +25 bps | |
| Return on Equity | 3.79% | 4.73% | 5.62% | 6.05% | 6.40% | 7.38% | 6.99% | 7.70% | +165 bps | |
| Net Interest Margin | 3.73% | 3.62% | 3.54% | 3.40% | 3.72% | 3.87% | 3.78% | 3.85% | +45 bps | |
| Efficiency Ratio | 79.88% | 71.48% | 70.05% | 67.40% | 66.29% | 62.30% | 64.24% | 61.44% | -596 bps | |
| Non-Interest Burden | 2.91% | 2.65% | 2.38% | 2.18% | 2.35% | 2.28% | 2.32% | 2.26% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.30% | 8.22% | 8.48% | 19.28% | 5.06% | 8.72% | 5.13% | -0.22% | -1,950 bps | |
| Loan Growth (YoY) | 10.34% | 5.37% | 9.30% | 12.76% | 11.66% | 22.75% | 18.41% | 10.63% | -213 bps | |
| Deposit Growth (YoY) | 6.08% | 9.63% | 8.38% | 21.99% | 1.05% | 0.76% | 3.30% | -2.40% | -2,439 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.25% | 0.74% | +74 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.24% | 0.14% | 0.00% | -0.05% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.20% | 1.16% | 1.07% | 1.02% | 1.01% | 0.93% | 0.92% | 0.93% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 3.6x | 1.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.15% | 9.10% | 9.55% | 10.02% | 10.75% | 11.17% | 11.00% | 11.13% | +111 bps | |
| Total Risk-Based Capital | 11.59% | 11.78% | 12.06% | 12.70% | 13.00% | 12.39% | 12.62% | 13.25% | +55 bps | |
| Equity / Assets | 11.42% | 11.15% | 11.87% | 11.89% | 12.93% | 12.21% | 12.39% | 12.75% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.46% | 84.08% | 86.00% | 86.72% | 97.75% | 102.43% | 98.57% | 98.29% | +1,158 bps | |
| Liquid Assets / Assets | 9.83% | 12.58% | 12.28% | 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 | n/a | n/a | n/a |