Dade City, FL · Cert 58682
FDIC · 8 branches
Q2 2014
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2014 SOD (annual) · 0.3% share · #29 of 66 inst. · $0.2B of $65.7B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.64% | 0.79% | 1.02% | 0.91% | 0.92% | 1.26% | 1.25% | +23 bps | |
| Return on Equity | 4.45% | 4.90% | 6.33% | 8.14% | 7.30% | 7.78% | 13.27% | 12.96% | +481 bps | |
| Net Interest Margin | 3.62% | 3.61% | 3.54% | 3.52% | 3.50% | 3.56% | 3.82% | 3.80% | +28 bps | |
| Efficiency Ratio | 67.97% | 68.20% | 71.42% | 65.68% | 67.71% | 66.03% | 62.85% | 61.65% | -403 bps | |
| Non-Interest Burden | 2.23% | 2.21% | 2.27% | 1.82% | 2.00% | 1.94% | 1.84% | 1.86% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.14% | 14.67% | 7.32% | 13.02% | 15.15% | 7.03% | 11.20% | 7.04% | -598 bps | |
| Loan Growth (YoY) | 10.25% | 9.29% | 13.41% | 18.71% | 13.54% | 21.37% | 21.26% | 16.33% | -237 bps | |
| Deposit Growth (YoY) | 6.77% | 15.64% | 7.33% | 13.81% | 16.59% | 10.69% | 14.95% | 10.37% | -344 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 | 0.06% | 0.05% | -0.08% | 0.01% | 0.01% | 0.01% | 0.01% | 0.24% | +23 bps | |
| Allowance / Loans | 2.05% | 2.12% | 2.10% | 2.01% | 1.97% | 1.98% | 1.94% | 1.77% | -23 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.85% | 15.31% | 15.30% | 14.63% | 14.24% | 10.91% | 11.27% | 11.03% | -360 bps | |
| Equity / Assets | 13.30% | 12.55% | 12.55% | 12.53% | 12.31% | 9.60% | 9.41% | 9.88% | -265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.75% | 84.80% | 84.92% | 88.95% | 88.38% | 92.99% | 89.58% | 93.76% | +481 bps | |
| Liquid Assets / Assets | 7.55% | 13.50% | 13.72% | 10.25% | 10.32% | 3.00% | 8.00% | 3.49% | -676 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |