Gainesville, FL · Cert 18116
FDIC · 13 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Gainesville, FL · Cert 18116
FDIC · 13 branches
Q1 2015
Market Position · Gainesville, FL · 2014 SOD (annual) · 7.5% share · #5 of 19 inst. · $0.3B of $3.6B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.85% | 0.84% | 1.09% | 1.22% | 1.19% | 1.16% | 0.97% | -13 bps | |
| Return on Equity | 8.47% | 9.18% | 9.16% | 11.86% | 12.82% | 12.14% | 12.01% | 9.77% | -209 bps | |
| Net Interest Margin | 2.97% | 3.05% | 2.86% | 3.04% | 3.18% | 3.22% | 2.96% | 2.88% | -15 bps | |
| Efficiency Ratio | 77.44% | 75.23% | 75.02% | 68.57% | 66.36% | 66.98% | 66.51% | 69.71% | +115 bps | |
| Non-Interest Burden | 2.25% | 2.22% | 2.08% | 1.95% | 1.93% | 2.00% | 1.83% | 1.89% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.08% | 0.40% | -0.68% | -0.63% | 4.03% | -1.55% | 9.91% | 7.46% | +808 bps | |
| Loan Growth (YoY) | -9.83% | -2.72% | 1.17% | 1.15% | 2.67% | -1.90% | -6.48% | -10.21% | -1,137 bps | |
| Deposit Growth (YoY) | -2.75% | 0.40% | 0.57% | 1.41% | 3.34% | 0.60% | 4.06% | 8.91% | +750 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 | 0.28% | 0.57% | 0.42% | 0.85% | 0.63% | 0.36% | 0.14% | 1.22% | +37 bps | |
| Allowance / Loans | 2.26% | 1.92% | 1.86% | 1.70% | 1.60% | 1.68% | 1.86% | 1.68% | -2 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 | 10.00% | n/a | n/a |
| Total Risk-Based Capital | 16.08% | 16.38% | 16.17% | 17.07% | 16.74% | 17.82% | 17.39% | 16.33% | -74 bps | |
| Equity / Assets | 9.35% | 9.35% | 8.81% | 9.67% | 10.06% | 10.69% | 9.36% | 10.49% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.33% | 68.04% | 70.90% | 68.07% | 67.88% | 66.36% | 63.71% | 56.12% | -1,195 bps | |
| Liquid Assets / Assets | 1.23% | 1.42% | 1.11% | 1.30% | 1.04% | 1.35% | 1.19% | 0.69% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |