Fort Myers, FL · Cert 58262
FDIC · 3 branches
Q2 2018
Market Position · Cape Coral-Fort Myers, FL · 2018 SOD (annual) · 0.6% share · #23 of 34 inst. · $0.1B of $15.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.51% | -0.13% | 0.71% | 1.19% | +54 bps | |
| Return on Equity | 5.79% | 4.47% | -1.13% | 6.25% | 10.28% | +449 bps | |
| Net Interest Margin | 3.16% | 3.23% | 3.48% | 3.52% | 3.70% | +54 bps | |
| Efficiency Ratio | 72.55% | 77.39% | 74.05% | 78.79% | 63.48% | -907 bps | |
| Non-Interest Burden | 2.06% | 2.36% | 2.41% | 2.65% | 1.97% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.46% | 9.78% | 3.62% | 1.56% | -0.17% | -463 bps | |
| Loan Growth (YoY) | 0.47% | 4.14% | 7.21% | 10.79% | 7.63% | +717 bps | |
| Deposit Growth (YoY) | 0.91% | 7.04% | 2.62% | 5.96% | 4.44% | +353 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | 0.00% | 0.00% | 0.01% | +2 bps | |
| Allowance / Loans | 1.29% | 1.26% | 1.25% | 1.16% | 1.18% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.98% | 11.18% | 11.59% | 11.77% | 12.41% | +143 bps | |
| Total Risk-Based Capital | 20.99% | 20.99% | 20.92% | 20.89% | 21.40% | +41 bps | |
| Equity / Assets | 11.48% | 11.49% | 11.39% | 11.32% | 11.92% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.77% | 82.38% | 81.29% | 80.21% | 82.21% | +244 bps | |
| Liquid Assets / Assets | 6.26% | 4.22% | 3.45% | 6.38% | 6.59% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |