Lake Mary, FL · Cert 58194
FDIC · 13 branches
Q1 2018
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2017 SOD (annual) · 0.7% share · #19 of 63 inst. · $0.6B 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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.88% | 0.88% | 0.76% | 0.91% | +8 bps | |
| Return on Equity | 9.63% | 9.83% | 9.69% | 8.19% | 8.96% | -66 bps | |
| Net Interest Margin | 2.59% | 2.64% | 2.72% | 2.74% | 2.70% | +11 bps | |
| Efficiency Ratio | 55.59% | 55.41% | 54.93% | 56.95% | 57.81% | +222 bps | |
| Non-Interest Burden | 1.26% | 1.26% | 1.31% | 1.39% | 1.49% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.33% | -5.11% | -6.26% | -8.99% | -9.03% | -770 bps | |
| Loan Growth (YoY) | -1.97% | -9.07% | -11.20% | -11.33% | -12.28% | -1,032 bps | |
| Deposit Growth (YoY) | -2.22% | -6.15% | -9.05% | -9.29% | -13.67% | -1,145 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.43% | 0.40% | 0.60% | 0.29% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.02% | -0.01% | -1 bps | |
| Allowance / Loans | 0.57% | 0.59% | 0.59% | 0.63% | 0.64% | +8 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.5x | 1.0x | 2.2x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.09% | 9.32% | 9.76% | 10.09% | 10.56% | +148 bps | |
| Total Risk-Based Capital | 15.14% | 15.87% | 16.44% | 17.08% | 17.51% | +237 bps | |
| Equity / Assets | 8.76% | 9.38% | 9.60% | 10.07% | 10.31% | +156 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.66% | 90.35% | 90.89% | 88.90% | 91.10% | +144 bps | |
| Liquid Assets / Assets | 7.71% | 6.15% | 6.89% | 6.55% | 8.61% | +90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |