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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.32% | 0.35% | 0.35% | 0.46% | 0.47% | 0.42% | 0.64% | +29 bps | |
| Return on Equity | 2.50% | 2.87% | 3.14% | 3.03% | 4.03% | 4.17% | 3.79% | 5.95% | +292 bps | |
| Net Interest Margin | 2.71% | 2.68% | 2.69% | 3.01% | 2.96% | 2.81% | 2.87% | 3.16% | +15 bps | |
| Efficiency Ratio | 83.69% | 81.22% | 78.35% | 79.89% | 73.12% | 72.69% | 75.74% | 67.97% | -1,192 bps | |
| Non-Interest Burden | 2.23% | 2.13% | 2.06% | 2.36% | 2.08% | 1.96% | 2.11% | 2.08% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.01% | -3.71% | 7.10% | 4.22% | 8.54% | 15.06% | 8.98% | 13.56% | +934 bps | |
| Loan Growth (YoY) | 11.53% | 9.49% | 15.04% | 12.82% | 19.86% | 26.11% | 20.39% | 15.42% | +260 bps | |
| Deposit Growth (YoY) | 8.42% | -8.13% | 5.24% | 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% | 0.00% | 0.00% | 0.00% | 0.80% | +80 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.13% | 0.11% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.13% | 1.09% | 1.10% | 1.14% | 1.10% | 1.08% | 1.12% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.4x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.59% | 11.62% | 11.60% | 11.51% | 11.39% | 10.76% | 10.82% | 10.80% | -72 bps | |
| Total Risk-Based Capital | 17.73% | 16.98% | 15.57% | 15.30% | 15.00% | 14.10% | 13.19% | 13.54% | -176 bps | |
| Equity / Assets | 11.56% | 11.85% | 11.43% | 11.54% | 11.14% | 10.75% | 10.90% | 10.59% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.39% | 84.18% | 86.96% | 89.24% | 87.99% | 90.49% | 95.18% | 89.00% | -24 bps | |
| Liquid Assets / Assets | 24.02% | 18.63% | 16.68% | 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 | n/a | n/a | n/a |