Tampa, FL · Cert 58762
FDIC · 2 branches
Q1 2017
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2016 SOD (annual) · 0.3% share · #28 of 64 inst. · $0.3B of $77.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.57% | 0.49% | 0.29% | 0.64% | +29 bps | |
| Return on Equity | 3.03% | 5.02% | 4.44% | 2.67% | 5.95% | +292 bps | |
| Net Interest Margin | 3.01% | 2.98% | 2.91% | 3.06% | 3.16% | +15 bps | |
| Efficiency Ratio | 79.89% | 66.82% | 71.87% | 84.40% | 67.97% | -1,192 bps | |
| Non-Interest Burden | 2.36% | 1.85% | 2.01% | 2.55% | 2.08% | -28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.22% | 8.54% | 15.06% | 8.98% | 13.56% | +934 bps | |
| Loan Growth (YoY) | 12.82% | 19.86% | 26.11% | 20.39% | 15.42% | +260 bps | |
| Deposit Growth (YoY) | 4.42% | 9.51% | 17.32% | 9.99% | 15.73% | +1,131 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.80% | +80 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.14% | 1.10% | 1.08% | 1.12% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.4x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.51% | 11.39% | 10.76% | 10.82% | 10.80% | -72 bps | |
| Total Risk-Based Capital | 15.30% | 15.00% | 14.10% | 13.19% | 13.54% | -176 bps | |
| Equity / Assets | 11.54% | 11.14% | 10.75% | 10.90% | 10.59% | -95 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.24% | 87.99% | 90.49% | 95.18% | 89.00% | -24 bps | |
| Liquid Assets / Assets | 14.86% | 16.78% | 15.53% | 11.91% | 16.28% | +141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |