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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.14% | 0.42% | 0.54% | 0.53% | 0.37% | 0.71% | 0.95% | +41 bps | |
| Return on Equity | 11.60% | 9.82% | 3.77% | 4.79% | 4.68% | 3.21% | 6.25% | 8.27% | +348 bps | |
| Net Interest Margin | 3.29% | 3.30% | 3.07% | 3.08% | 3.12% | 3.23% | 3.52% | 3.64% | +57 bps | |
| Efficiency Ratio | 57.80% | 61.63% | 79.63% | 75.91% | 76.41% | 75.78% | 78.79% | 70.69% | -522 bps | |
| Non-Interest Burden | 1.05% | 1.40% | 2.32% | 2.16% | 2.23% | 2.29% | 2.65% | 2.34% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.19% | 12.69% | 6.41% | 4.46% | 9.78% | 3.62% | 1.56% | -0.17% | -463 bps | |
| Loan Growth (YoY) | -0.87% | -3.39% | -2.96% | 0.47% | 4.14% | 7.21% | 10.79% | 7.63% | +717 bps | |
| Deposit Growth (YoY) | 15.10% | 16.35% | 3.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.31% | 1.32% | 1.32% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.06% | 11.22% | 10.95% | 10.98% | 11.18% | 11.59% | 11.77% | 12.41% | +143 bps | |
| Total Risk-Based Capital | 19.50% | 19.28% | 19.54% | 20.99% | 20.99% | 20.92% | 20.89% | 21.40% | +41 bps | |
| Equity / Assets | 12.07% | 11.32% | 11.13% | 11.48% | 11.49% | 11.39% | 11.32% | 11.92% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.67% | 77.81% | 76.71% | 79.77% | 82.38% | 81.29% | 80.21% | 82.21% | +244 bps | |
| Liquid Assets / Assets | 2.56% | 9.04% | 9.28% | 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 | n/a | n/a | n/a |