Sarasota, FL · Cert 58387
FDIC · 2 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sarasota, FL · Cert 58387
FDIC · 2 branches
Q4 2016
Market Position · North Port-Sarasota-Bradenton, FL · 2016 SOD (annual) · 1.1% share · #22 of 40 inst. · $0.2B of $19.3B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.46% | 0.49% | 0.51% | 0.40% | 0.53% | 0.56% | 0.65% | +14 bps | |
| Return on Equity | 4.26% | 4.10% | 4.39% | 4.57% | 4.18% | 5.50% | 5.91% | 6.69% | +212 bps | |
| Net Interest Margin | 3.36% | 3.15% | 3.15% | 3.18% | 3.30% | 3.07% | 3.21% | 3.27% | +9 bps | |
| Efficiency Ratio | 81.33% | 82.26% | 81.58% | 81.11% | 81.65% | 77.82% | 76.42% | 73.79% | -731 bps | |
| Non-Interest Burden | 2.53% | 2.41% | 2.37% | 2.39% | 2.62% | 2.25% | 2.28% | 2.22% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.75% | 20.45% | 15.09% | 18.80% | 32.53% | 20.04% | 24.72% | 13.34% | -546 bps | |
| Loan Growth (YoY) | 22.76% | 14.41% | 9.90% | 20.10% | 16.56% | 22.62% | 21.66% | 10.27% | -983 bps | |
| Deposit Growth (YoY) | 15.21% | 23.40% | 16.10% | 16.84% | 35.96% | 22.10% | 30.17% | 19.10% | +226 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 | 0.00% | -0.03% | -0.09% | -0.07% | -0.02% | -0.02% | -0.02% | -0.03% | +3 bps | |
| Allowance / Loans | 1.36% | 1.36% | 1.37% | 1.24% | 1.24% | 1.20% | 1.19% | 1.20% | -4 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 | 10.65% | 10.00% | 10.04% | 9.95% | 9.31% | 8.61% | 9.03% | 9.92% | -3 bps | |
| Total Risk-Based Capital | 14.39% | 14.44% | 14.26% | 13.48% | 13.47% | 13.41% | 13.51% | 14.75% | +127 bps | |
| Equity / Assets | 11.38% | 10.69% | 10.91% | 10.53% | 8.97% | 9.44% | 9.26% | 10.29% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.84% | 88.95% | 94.30% | 103.39% | 82.17% | 89.33% | 88.13% | 95.72% | -767 bps | |
| Liquid Assets / Assets | 2.95% | 6.39% | 2.41% | 1.90% | 13.26% | 6.02% | 7.23% | 2.04% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |