Perry, FL · Cert 17880
FDIC · 4 branches
Q2 2019
Market Position · Gainesville, FL · 2019 SOD (annual) · 1.6% share · #12 of 19 inst. · $0.1B of $5.3B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.22% | 1.22% | 1.33% | 1.33% | 1.30% | 0.54% | 1.19% | -14 bps | |
| Return on Equity | 13.76% | 13.23% | 12.36% | 13.35% | 13.44% | 13.15% | 5.37% | 11.44% | -192 bps | |
| Net Interest Margin | 4.30% | 4.26% | 4.30% | 4.25% | 4.22% | 4.08% | 3.88% | 4.01% | -24 bps | |
| Efficiency Ratio | 59.79% | 59.01% | 61.38% | 60.93% | 61.37% | 62.38% | 78.63% | 65.25% | +433 bps | |
| Non-Interest Burden | 2.51% | 2.45% | 2.58% | 2.50% | 2.51% | 2.47% | 3.01% | 2.55% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | 4.20% | 2.06% | -0.36% | 4.56% | 4.50% | 2.94% | 0.72% | +109 bps | |
| Loan Growth (YoY) | -0.98% | 3.08% | 2.01% | 1.62% | -2.45% | -9.48% | -4.60% | -9.14% | -1,076 bps | |
| Deposit Growth (YoY) | -2.65% | 3.28% | 0.85% | -1.78% | 3.03% | 3.77% | 1.46% | -1.31% | +46 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.43% | 0.58% | 0.51% | 0.48% | 0.59% | 0.47% | 0.40% | -10 bps | |
| Net Charge-Offs / Loans | 0.78% | 0.82% | 0.75% | 0.67% | 0.64% | 0.63% | 0.64% | 0.60% | -7 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.10% | 1.04% | 1.07% | 1.11% | 1.03% | 1.01% | -4 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.6x | 1.9x | 2.1x | 2.2x | 1.9x | 2.2x | 2.5x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.88% | 10.02% | 10.42% | 10.49% | 10.41% | 10.28% | 10.35% | 11.06% | +57 bps | |
| Total Risk-Based Capital | 12.87% | 12.90% | 13.65% | 13.52% | 14.06% | 14.76% | 14.63% | 15.63% | +211 bps | |
| Equity / Assets | 9.87% | 9.77% | 9.96% | 10.13% | 9.74% | 9.70% | 10.37% | 11.09% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.27% | 86.78% | 87.24% | 89.30% | 84.53% | 75.69% | 82.03% | 82.22% | -709 bps | |
| Liquid Assets / Assets | 5.24% | 4.95% | 4.48% | 2.04% | 7.73% | 15.15% | 13.45% | 20.69% | +1,865 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |