Sarasota, FL · Cert 58372
FDIC · 3 branches
Q4 2021
Market Position · North Port-Sarasota-Bradenton, FL · 2021 SOD (annual) · 1.3% share · #19 of 38 inst. · $0.4B of $28.5B
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.81% | 1.16% | 1.28% | 1.18% | 1.80% | 1.66% | 0.86% | -42 bps | |
| Return on Equity | 9.30% | 9.50% | 14.40% | 15.95% | 15.47% | 23.15% | 21.19% | 11.21% | -474 bps | |
| Net Interest Margin | 3.60% | 3.82% | 3.95% | 3.94% | 3.42% | 3.44% | 3.63% | 3.44% | -51 bps | |
| Efficiency Ratio | 70.02% | 61.00% | 56.02% | 55.82% | 58.31% | 53.01% | 52.73% | 74.44% | +1,862 bps | |
| Non-Interest Burden | 2.40% | 2.10% | 1.85% | 1.86% | 1.79% | 1.62% | 1.69% | 2.45% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.96% | 44.25% | 60.68% | 39.68% | 53.83% | 21.96% | 11.27% | 20.33% | -1,935 bps | |
| Loan Growth (YoY) | 12.71% | 56.90% | 57.76% | 50.15% | 50.43% | -1.17% | -11.85% | -11.56% | -6,171 bps | |
| Deposit Growth (YoY) | 6.96% | 29.60% | 48.35% | 36.24% | 56.97% | 37.61% | 22.84% | 26.85% | -939 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.08% | -0.05% | -0.08% | 0.00% | 0.00% | 0.00% | 0.00% | +8 bps | |
| Allowance / Loans | 1.29% | 1.25% | 1.19% | 1.26% | 1.21% | 0.94% | 1.03% | 1.12% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 187.8x | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.25% | 8.23% | 8.42% | 8.35% | 8.08% | 8.17% | 8.73% | 7.43% | -92 bps | |
| Total Risk-Based Capital | 14.10% | 14.24% | 14.75% | 8.35% | 8.08% | 8.17% | 16.73% | 15.22% | +687 bps | |
| Equity / Assets | 9.41% | 7.44% | 6.99% | 7.73% | 7.56% | 7.97% | 8.05% | 7.07% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.58% | 100.38% | 91.13% | 90.00% | 80.10% | 72.09% | 65.40% | 62.75% | -2,725 bps | |
| Liquid Assets / Assets | 16.41% | 10.43% | 20.75% | 17.07% | 21.54% | 28.52% | 35.43% | 38.61% | +2,154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |