Parrish, FL · Cert 58548
FDIC · 4 branches
Q2 2018
Market Position · North Port-Sarasota-Bradenton, FL · 2018 SOD (annual) · 1.0% share · #23 of 36 inst. · $0.2B of $20.9B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.24% | 0.20% | 0.47% | -2.51% | -279 bps | |
| Return on Equity | 1.83% | 1.59% | 1.40% | 3.97% | -22.71% | -2,454 bps | |
| Net Interest Margin | 3.59% | 3.36% | 3.31% | 3.44% | 3.36% | -23 bps | |
| Efficiency Ratio | 89.67% | 89.65% | 84.78% | 81.65% | 151.24% | +6,158 bps | |
| Non-Interest Burden | 3.20% | 3.00% | 2.77% | 2.72% | 5.21% | +201 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.69% | 22.85% | 24.33% | 44.67% | 44.69% | +2,800 bps | |
| Loan Growth (YoY) | 11.01% | 15.26% | 28.88% | 32.90% | 35.81% | +2,480 bps | |
| Deposit Growth (YoY) | 1.23% | 15.13% | 22.85% | 44.35% | 52.21% | +5,098 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.11% | 0.58% | 1.05% | 0.44% | 0.17% | -94 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.02% | 0.00% | 0.46% | +46 bps | |
| Allowance / Loans | 0.96% | 0.91% | 0.99% | 0.99% | 0.70% | -26 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.6x | 0.9x | 2.3x | 4.0x | +3.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.58% | 14.24% | 13.40% | 11.74% | 9.77% | -581 bps | |
| Total Risk-Based Capital | 20.22% | 19.04% | 17.40% | 16.14% | 12.64% | -758 bps | |
| Equity / Assets | 15.24% | 13.78% | 13.04% | 10.88% | 9.57% | -566 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.42% | 92.62% | 94.26% | 82.82% | 85.14% | -1,028 bps | |
| Liquid Assets / Assets | 5.78% | 8.09% | 2.67% | 9.32% | 3.58% | -220 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |