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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.34% | -2.38% | -2.72% | -2.39% | 0.67% | -1.04% | -2.59% | -2.63% | -25 bps | |
| Return on Equity | -63.10% | -49.66% | -62.99% | -60.13% | 24.85% | -39.54% | -114.49% | -135.32% | -7,519 bps | |
| Net Interest Margin | 1.97% | 2.03% | 2.12% | 2.21% | 2.25% | 2.23% | 2.29% | 2.28% | +7 bps | |
| Efficiency Ratio | 199.53% | 219% | 292% | 230% | 154.36% | 230% | 654% | 446% | +21,687 bps | |
| Non-Interest Burden | 3.70% | 3.90% | 4.52% | 4.41% | 3.58% | 4.45% | 5.86% | 5.69% | +128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.30% | -9.48% | -8.92% | -8.25% | -8.37% | -13.07% | -14.39% | -18.28% | -1,003 bps | |
| Loan Growth (YoY) | -21.09% | -15.06% | -17.34% | -15.40% | -13.56% | -11.53% | -12.58% | -15.21% | +19 bps | |
| Deposit Growth (YoY) | -8.84% | -6.33% | -4.98% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 11.56% | 5.95% | 3.98% | 2.97% | -2.37% | -1.45% | -1.07% | -0.90% | -387 bps | |
| Allowance / Loans | 5.13% | 5.30% | 5.43% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.26% | 7.99% | 6.60% | 6.22% | 6.93% | 5.99% | 3.64% | 2.62% | -359 bps | |
| Equity / Assets | 4.82% | 3.80% | 2.81% | 2.49% | 2.93% | 2.49% | 1.02% | 0.47% | -202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.11% | 35.21% | 35.25% | 36.08% | 33.44% | 35.37% | 35.36% | 36.71% | +63 bps | |
| Liquid Assets / Assets | 9.02% | 16.74% | 8.10% | 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 | n/a | n/a | n/a |