Tampa, FL · Cert 58520
FDIC · 3 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Tampa, FL · Cert 58520
FDIC · 3 branches
Q3 2017
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2017 SOD (annual) · 0.2% share · #37 of 63 inst. · $0.2B 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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.23% | 0.25% | 0.30% | 0.37% | 0.61% | 0.54% | 0.55% | +25 bps | |
| Return on Equity | 1.78% | 2.31% | 2.51% | 3.00% | 3.66% | 6.03% | 5.33% | 5.28% | +229 bps | |
| Net Interest Margin | 3.18% | 3.38% | 3.49% | 3.64% | 3.66% | 3.72% | 3.83% | 3.80% | +16 bps | |
| Efficiency Ratio | 84.89% | 88.02% | 88.48% | 87.04% | 84.37% | 83.64% | 82.18% | 80.75% | -629 bps | |
| Non-Interest Burden | 2.67% | 2.93% | 3.05% | 3.13% | 3.04% | 3.08% | 3.11% | 3.03% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.30% | 5.26% | 9.35% | 7.83% | -1.23% | 0.29% | -0.46% | -5.55% | -1,338 bps | |
| Loan Growth (YoY) | 36.96% | 27.05% | 28.67% | 25.25% | 11.09% | 8.09% | 8.07% | 3.26% | -2,198 bps | |
| Deposit Growth (YoY) | 12.68% | -1.74% | 4.80% | 13.07% | -6.02% | 9.07% | 11.26% | 14.17% | +110 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 | 0.08% | 0.00% | 0.03% | 0.02% | 0.06% | -0.08% | -0.04% | -0.02% | -4 bps | |
| Allowance / Loans | 1.41% | 1.42% | 1.36% | 1.29% | 1.30% | 1.33% | 1.30% | 1.29% | 0 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 | 9.29% | 9.38% | 9.24% | 9.44% | 9.45% | 9.76% | 10.03% | 10.03% | +59 bps | |
| Total Risk-Based Capital | 14.27% | 14.32% | 14.18% | 13.83% | 13.42% | 13.72% | 13.83% | 14.12% | +29 bps | |
| Equity / Assets | 9.89% | 10.14% | 10.09% | 10.08% | 10.11% | 10.23% | 10.29% | 10.81% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.79% | 82.19% | 85.26% | 87.10% | 87.22% | 81.45% | 82.81% | 78.78% | -832 bps | |
| Liquid Assets / Assets | 8.84% | 8.59% | 8.24% | 7.76% | 7.62% | 7.41% | 8.67% | 7.97% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |