Largo, FL · Cert 58427
FDIC · 29 branches
Q4 2017
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2017 SOD (annual) · 3.0% share · #9 of 63 inst. · $2.4B of $81.9B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.20% | 1.23% | 1.23% | 1.00% | -17 bps | |
| Return on Equity | 12.84% | 12.91% | 13.16% | 13.14% | 10.83% | -200 bps | |
| Net Interest Margin | 3.22% | 3.30% | 3.36% | 3.33% | 3.30% | +8 bps | |
| Efficiency Ratio | 52.21% | 51.38% | 50.63% | 50.97% | 55.84% | +363 bps | |
| Non-Interest Burden | 1.54% | 1.49% | 1.49% | 1.51% | 1.68% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.29% | 12.21% | 12.16% | 10.98% | 12.48% | -181 bps | |
| Loan Growth (YoY) | 14.53% | 12.46% | 14.15% | 12.33% | 12.94% | -159 bps | |
| Deposit Growth (YoY) | 16.81% | 11.08% | 10.79% | 9.18% | 1.91% | -1,490 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.86% | 0.80% | 0.76% | 0.63% | +63 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.02% | -0.01% | -0.04% | -2 bps | |
| Allowance / Loans | 1.17% | 1.18% | 1.14% | 1.13% | 1.10% | -7 bps | |
| Allowance Coverage of NPLs | n/a | 1.4x | 1.4x | 1.5x | 1.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.98% | 9.17% | 9.30% | 9.33% | 8.64% | -34 bps | |
| Total Risk-Based Capital | 11.24% | 11.64% | 11.56% | 11.71% | 10.87% | -37 bps | |
| Equity / Assets | 9.05% | 9.48% | 9.41% | 9.44% | 8.67% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.29% | 96.15% | 100.79% | 99.33% | 106.71% | +1,042 bps | |
| Liquid Assets / Assets | 5.89% | 5.46% | 5.53% | 5.55% | 6.34% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |