Sarasota, FL · Cert 58725
FDIC · 3 branches
Q1 2017
Market Position · North Port-Sarasota-Bradenton, FL · 2016 SOD (annual) · 1.3% share · #17 of 40 inst. · $0.3B of $19.3B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.84% | 0.85% | 0.89% | 1.02% | +9 bps | |
| Return on Equity | 10.14% | 9.31% | 9.35% | 9.84% | 11.59% | +144 bps | |
| Net Interest Margin | 3.21% | 3.06% | 3.11% | 3.12% | 3.46% | +25 bps | |
| Efficiency Ratio | 73.40% | 70.97% | 67.82% | 65.90% | 59.37% | -1,403 bps | |
| Non-Interest Burden | 2.26% | 2.03% | 1.93% | 1.86% | 1.82% | -45 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.30% | 26.54% | 18.12% | 12.54% | 10.64% | -665 bps | |
| Loan Growth (YoY) | 43.97% | 42.83% | 19.90% | 15.29% | 12.16% | -3,181 bps | |
| Deposit Growth (YoY) | 17.91% | 19.69% | 12.06% | 8.72% | 6.82% | -1,110 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.91% | 0.85% | 0.95% | 0.96% | 0.93% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.54% | 9.05% | 9.04% | 9.11% | 9.12% | -42 bps | |
| Total Risk-Based Capital | 13.34% | 12.32% | 12.85% | 13.57% | 13.93% | +60 bps | |
| Equity / Assets | 9.30% | 8.74% | 9.12% | 8.79% | 8.89% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.09% | 80.37% | 81.40% | 78.39% | 80.95% | +386 bps | |
| Liquid Assets / Assets | 6.66% | 7.04% | 5.49% | 4.25% | 2.50% | -416 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |