Panama City, FL · Cert 58786
FDIC · 4 branches
Q2 2019
Market Position · Panama City, FL · 2019 SOD (annual) · 10.6% share · #4 of 17 inst. · $0.4B of $3.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.26% | 1.29% | 1.60% | 1.54% | 1.94% | 2.00% | 1.81% | +21 bps | |
| Return on Equity | 9.31% | 2.28% | 11.07% | 13.75% | 13.05% | 16.42% | 17.50% | 16.01% | +226 bps | |
| Net Interest Margin | 3.34% | 3.31% | 3.46% | 3.63% | 3.69% | 3.56% | 4.00% | 3.41% | -22 bps | |
| Efficiency Ratio | 55.82% | 59.83% | 52.12% | 51.58% | 52.77% | 50.44% | 50.74% | 47.06% | -452 bps | |
| Non-Interest Burden | 1.49% | 1.72% | 1.43% | 1.45% | 1.53% | 1.05% | 1.35% | 1.09% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.09% | 16.54% | 10.33% | 9.44% | 8.57% | 13.88% | 20.99% | 16.85% | +741 bps | |
| Loan Growth (YoY) | 22.23% | 26.89% | 23.70% | 18.22% | 19.12% | 9.26% | 0.46% | -0.26% | -1,848 bps | |
| Deposit Growth (YoY) | 10.32% | 19.67% | 11.43% | 10.81% | 11.01% | 20.62% | 27.71% | 22.21% | +1,140 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 1.29% | 1.31% | 1.19% | 1.06% | 0.46% | 0.45% | 0.42% | -78 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.19% | 0.06% | -0.08% | 0.00% | 0.00% | -19 bps | |
| Allowance / Loans | 1.40% | 1.41% | 1.51% | 1.46% | 1.43% | 1.46% | 1.54% | 1.52% | +6 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.1x | 1.2x | 1.2x | 1.3x | 3.2x | 3.4x | 3.7x | +2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.62% | 11.29% | 11.54% | 11.63% | 11.85% | 11.70% | 11.68% | 11.53% | -10 bps | |
| Total Risk-Based Capital | 15.29% | 14.62% | 15.10% | 15.71% | 15.34% | 16.25% | 17.61% | 17.94% | +222 bps | |
| Equity / Assets | 11.59% | 11.66% | 11.63% | 11.63% | 11.98% | 11.71% | 11.13% | 11.46% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.06% | 81.14% | 79.65% | 77.00% | 80.54% | 73.50% | 62.65% | 62.84% | -1,416 bps | |
| Liquid Assets / Assets | 8.32% | 5.73% | 7.97% | 11.13% | 8.71% | 14.30% | 23.54% | 25.29% | +1,416 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |