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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.84% | 0.75% | 1.00% | 1.00% | 0.91% | 0.44% | 0.72% | -28 bps | |
| Return on Equity | 11.58% | 10.05% | 8.83% | 11.69% | 11.82% | 10.80% | 5.37% | 9.87% | -182 bps | |
| Net Interest Margin | 3.70% | 3.37% | 3.11% | 3.41% | 3.20% | 3.06% | 2.83% | 2.59% | -82 bps | |
| Efficiency Ratio | 64.52% | 67.16% | 69.02% | 61.44% | 61.50% | 63.34% | 79.68% | 63.74% | +230 bps | |
| Non-Interest Burden | 2.32% | 2.20% | 2.09% | 2.03% | 1.84% | 1.83% | 2.19% | 1.60% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.24% | 22.07% | 26.70% | 34.96% | 19.91% | 16.85% | 25.86% | 3.23% | -3,173 bps | |
| Loan Growth (YoY) | 29.32% | 30.02% | 20.13% | 27.14% | 1.80% | -1.65% | 3.35% | -7.70% | -3,484 bps | |
| Deposit Growth (YoY) | 21.34% | 23.02% | 26.43% | 36.02% | 20.05% | 16.57% | 29.38% | 5.32% | -3,070 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.08% | 0.66% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | 0.08% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.18% | 1.17% | 1.32% | 1.25% | 1.27% | 1.31% | 1.39% | 1.43% | +18 bps | |
| Allowance Coverage of NPLs | 10.1x | 14.8x | 2.0x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.10% | 8.02% | 8.79% | 8.59% | 8.56% | 8.58% | 7.84% | 8.22% | -37 bps | |
| Total Risk-Based Capital | 13.11% | 13.17% | 14.42% | 14.39% | 14.47% | 14.25% | 13.75% | 14.63% | +24 bps | |
| Equity / Assets | 8.15% | 8.03% | 8.87% | 8.25% | 8.35% | 8.41% | 7.10% | 7.61% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.18% | 74.09% | 65.95% | 67.03% | 65.45% | 62.51% | 52.68% | 58.75% | -829 bps | |
| Liquid Assets / Assets | 10.14% | 13.01% | 16.89% | 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 | n/a | n/a | n/a |