Oviedo, FL · Cert 16442
FDIC · 6 branches
Q1 2022
Market Position · Orlando-Kissimmee-Sanford, FL · 2021 SOD (annual) · 0.6% share · #20 of 41 inst. · $0.4B of $73.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.00% | 0.74% | -0.83% | 0.72% | -28 bps | |
| Return on Equity | 11.69% | 12.05% | 8.86% | -10.77% | 9.87% | -182 bps | |
| Net Interest Margin | 3.41% | 3.10% | 2.91% | 2.69% | 2.59% | -82 bps | |
| Efficiency Ratio | 61.44% | 61.55% | 67.42% | 128.14% | 63.74% | +230 bps | |
| Non-Interest Burden | 2.03% | 1.72% | 1.89% | 3.58% | 1.60% | -43 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 34.96% | 19.91% | 16.85% | 25.86% | 3.23% | -3,173 bps | |
| Loan Growth (YoY) | 27.14% | 1.80% | -1.65% | 3.35% | -7.70% | -3,484 bps | |
| Deposit Growth (YoY) | 36.02% | 20.05% | 16.57% | 29.38% | 5.32% | -3,070 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.25% | 1.27% | 1.31% | 1.39% | 1.43% | +18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.59% | 8.56% | 8.58% | 7.84% | 8.22% | -37 bps | |
| Total Risk-Based Capital | 14.39% | 14.47% | 14.25% | 13.75% | 14.63% | +24 bps | |
| Equity / Assets | 8.25% | 8.35% | 8.41% | 7.10% | 7.61% | -65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.03% | 65.45% | 62.51% | 52.68% | 58.75% | -829 bps | |
| Liquid Assets / Assets | 12.82% | 13.64% | 17.18% | 29.38% | 22.07% | +925 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |