Saint Petersburg, FL · Cert 57945
FDIC · 2 branches
Q2 2020
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2020 SOD (annual) · 0.4% share · #28 of 57 inst. · $0.4B of $101.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.10% | 1.09% | 2.08% | 1.33% | 1.17% | 1.57% | 1.02% | -106 bps | |
| Return on Equity | 19.88% | 12.37% | 12.39% | 25.46% | 15.57% | 13.11% | 17.77% | 12.05% | -1,341 bps | |
| Net Interest Margin | 3.90% | 3.94% | 3.93% | 4.05% | 3.94% | 3.92% | 3.87% | 3.29% | -76 bps | |
| Efficiency Ratio | 52.35% | 62.48% | 64.67% | 54.05% | 58.34% | 65.69% | 59.35% | 56.11% | +206 bps | |
| Non-Interest Burden | 1.58% | 2.31% | 2.36% | 1.21% | 1.91% | 2.30% | 1.66% | 1.75% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.99% | 11.29% | 14.85% | 29.68% | 11.66% | 24.93% | 12.98% | 13.94% | -1,574 bps | |
| Loan Growth (YoY) | 17.93% | 15.10% | 21.16% | 11.28% | 14.74% | 18.13% | 3.78% | 30.79% | +1,951 bps | |
| Deposit Growth (YoY) | 23.37% | 10.96% | 14.62% | 30.26% | 10.90% | 28.22% | 12.40% | 13.77% | -1,649 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.33% | 0.34% | 0.33% | 0.29% | 0.29% | 0.24% | -9 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.05% | 0.00% | 0.04% | 0.00% | 0.00% | +5 bps | |
| Allowance / Loans | 1.19% | 1.20% | 1.14% | 1.14% | 1.15% | 1.11% | 1.17% | 1.07% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 3.5x | 3.4x | 3.4x | 3.9x | 4.0x | 4.4x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.03% | 8.87% | 9.00% | 9.03% | 9.12% | 8.90% | 9.24% | 8.20% | -83 bps | |
| Total Risk-Based Capital | 11.30% | 11.19% | 10.61% | 11.29% | 11.12% | 10.79% | 11.56% | 12.03% | +73 bps | |
| Equity / Assets | 8.69% | 9.08% | 8.49% | 7.90% | 9.24% | 8.63% | 9.01% | 8.04% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.06% | 94.53% | 91.64% | 75.55% | 90.07% | 87.09% | 84.62% | 86.85% | +1,130 bps | |
| Liquid Assets / Assets | 13.97% | 8.88% | 9.84% | 24.59% | 11.69% | 14.93% | 17.46% | 15.42% | -917 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |