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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.40% | 0.63% | 0.63% | 0.87% | +33 bps | |
| Return on Equity | 5.09% | 4.18% | 6.80% | 6.72% | 8.95% | +387 bps | |
| Net Interest Margin | 3.51% | 3.30% | 3.17% | 3.37% | 3.43% | -8 bps | |
| Efficiency Ratio | 79.77% | 81.65% | 74.70% | 73.96% | 66.56% | -1,321 bps | |
| Non-Interest Burden | 2.63% | 2.62% | 2.15% | 2.26% | 2.01% | -62 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.80% | 32.53% | 20.04% | 24.72% | 13.34% | -546 bps | |
| Loan Growth (YoY) | 20.10% | 16.56% | 22.62% | 21.66% | 10.27% | -983 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.02% | -0.02% | -0.07% | -5 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.95% | 9.31% | 8.61% | 9.03% | 9.92% | -3 bps | |
| Total Risk-Based Capital | 13.48% | 13.47% | 13.41% | 13.51% | 14.75% | +127 bps | |
| Equity / Assets | 10.53% | 8.97% | 9.44% | 9.26% | 10.29% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.39% | 82.17% | 89.33% | 88.13% | 95.72% | -767 bps | |
| Liquid Assets / Assets | 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 |