Port Charlotte, FL · Cert 58376
FDIC · 6 branches
Q1 2018
Market Position · Naples-Immokalee-Marco Island, FL · 2017 SOD (annual) · 1.1% share · #17 of 38 inst. · $0.2B of $17.3B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.43% | 0.46% | 0.52% | 0.58% | 0.66% | 0.76% | 1.08% | +56 bps | |
| Return on Equity | 4.11% | 4.39% | 4.81% | 5.57% | 6.20% | 6.96% | 7.88% | 10.34% | +477 bps | |
| Net Interest Margin | 3.04% | 3.06% | 3.09% | 3.31% | 3.25% | 3.39% | 3.47% | 3.64% | +33 bps | |
| Efficiency Ratio | 77.17% | 76.18% | 74.45% | 72.39% | 70.59% | 68.63% | 68.38% | 62.35% | -1,004 bps | |
| Non-Interest Burden | 2.29% | 2.27% | 2.23% | 2.32% | 2.22% | 2.25% | 2.29% | 2.16% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.66% | 11.90% | 9.99% | 10.68% | 3.42% | 3.53% | -1.47% | -6.33% | -1,701 bps | |
| Loan Growth (YoY) | 14.28% | 28.48% | 18.90% | 17.29% | 16.36% | 12.33% | 4.83% | 2.20% | -1,509 bps | |
| Deposit Growth (YoY) | 8.46% | 8.25% | 9.40% | 10.48% | 2.77% | 0.52% | -2.03% | -6.75% | -1,723 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.16% | 0.29% | 0.32% | 0.40% | 0.39% | +24 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.20% | 1.13% | 1.12% | 1.18% | 1.19% | 1.12% | 1.13% | 1.16% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 7.5x | 4.1x | 3.4x | 2.8x | 3.0x | -4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.66% | 8.69% | 8.73% | 8.65% | 8.49% | 8.87% | 9.31% | 9.72% | +107 bps | |
| Total Risk-Based Capital | 13.61% | 12.99% | 12.69% | 13.20% | 13.06% | 12.38% | 12.96% | 13.65% | +45 bps | |
| Equity / Assets | 9.68% | 9.76% | 9.52% | 9.01% | 9.69% | 9.93% | 10.40% | 10.43% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.12% | 87.15% | 86.81% | 79.76% | 86.18% | 97.39% | 92.88% | 87.42% | +766 bps | |
| Liquid Assets / Assets | 9.12% | 4.76% | 5.27% | 11.48% | 6.02% | 4.82% | 4.85% | 9.60% | -188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |