Oldsmar, FL · Cert 58672
FDIC · 5 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 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.
Oldsmar, FL · Cert 58672
FDIC · 5 branches
Q2 2017
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2017 SOD (annual) · 0.3% share · #31 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.60% | 0.53% | 0.63% | 0.66% | 0.69% | 0.70% | 0.80% | +17 bps | |
| Return on Equity | 5.84% | 5.72% | 5.38% | 6.27% | 6.64% | 7.05% | 7.52% | 8.66% | +238 bps | |
| Net Interest Margin | 3.23% | 3.11% | 3.21% | 3.32% | 3.38% | 3.23% | 3.42% | 3.47% | +15 bps | |
| Efficiency Ratio | 75.23% | 75.14% | 73.47% | 71.06% | 69.72% | 67.89% | 69.08% | 62.34% | -872 bps | |
| Non-Interest Burden | 2.35% | 2.27% | 2.31% | 2.30% | 2.28% | 2.12% | 2.28% | 2.07% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.67% | 15.21% | 16.64% | 14.83% | 12.33% | 14.66% | 11.16% | 20.05% | +522 bps | |
| Loan Growth (YoY) | 21.45% | 20.55% | 15.43% | 18.97% | 16.65% | 22.03% | 24.90% | 26.71% | +775 bps | |
| Deposit Growth (YoY) | 18.58% | 25.49% | 30.06% | 24.99% | 20.34% | 18.78% | 12.61% | 6.28% | -1,871 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.38% | +38 bps | |
| Net Charge-Offs / Loans | -0.14% | -0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.13% | 1.05% | 1.00% | 0.99% | 0.96% | 0.93% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 265.3x | 2.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 10.55% | 10.08% | 10.18% | 10.34% | 9.84% | 9.66% | 9.79% | -39 bps | |
| Total Risk-Based Capital | 16.43% | 16.21% | 15.39% | 14.27% | 14.11% | 13.29% | 13.15% | 12.34% | -193 bps | |
| Equity / Assets | 10.31% | 9.93% | 9.82% | 10.27% | 9.91% | 9.22% | 9.33% | 9.15% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.88% | 81.33% | 77.32% | 85.77% | 86.15% | 83.55% | 85.76% | 102.26% | +1,649 bps | |
| Liquid Assets / Assets | 4.98% | 7.39% | 10.51% | 2.45% | 5.08% | 7.69% | 6.84% | 5.24% | +279 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |