Crestview, FL · Cert 17557
FDIC · 3 branches
Q4 2014
Market Position · Crestview-Fort Walton Beach-Destin, FL · 2014 SOD (annual) · 1.9% share · #16 of 22 inst. · $0.1B of $4.3B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.39% | 0.67% | -1.04% | -2.59% | -2.63% | -25 bps | |
| Return on Equity | -60.13% | 24.85% | -39.54% | -114.49% | -135.32% | -7,519 bps | |
| Net Interest Margin | 2.21% | 2.25% | 2.23% | 2.29% | 2.28% | +7 bps | |
| Efficiency Ratio | 230% | 154.36% | 230% | 654% | 446% | +21,687 bps | |
| Non-Interest Burden | 4.41% | 3.58% | 4.45% | 5.86% | 5.69% | +128 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.25% | -8.37% | -13.07% | -14.39% | -18.28% | -1,003 bps | |
| Loan Growth (YoY) | -15.40% | -13.56% | -11.53% | -12.58% | -15.21% | +19 bps | |
| Deposit Growth (YoY) | -5.06% | -6.65% | -11.94% | -12.85% | -16.67% | -1,161 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.97% | -2.37% | -1.45% | -1.07% | -0.90% | -387 bps | |
| Allowance / Loans | 5.47% | 5.05% | 5.22% | 5.42% | 5.68% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 6.22% | 6.93% | 5.99% | 3.64% | 2.62% | -359 bps | |
| Equity / Assets | 2.49% | 2.93% | 2.49% | 1.02% | 0.47% | -202 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.08% | 33.44% | 35.37% | 35.36% | 36.71% | +63 bps | |
| Liquid Assets / Assets | 5.45% | 10.70% | 12.03% | 15.65% | 27.57% | +2,212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |