Tallahassee, FL · Charter 22380
NCUA · 1 branch
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.71% | -9.77% | -5.89% | -4.46% | 5.17% | 3.17% | -0.05% | -2.32% | +215 bps | |
| Return on Equity | -19.48% | -201% | -130.80% | -94.77% | 97.74% | 59.17% | -0.98% | -95.46% | -69 bps | |
| Net Interest Margin | 3.83% | 5.24% | 4.86% | 4.76% | 4.91% | 4.55% | 4.51% | 1.43% | -333 bps | |
| Efficiency Ratio | 129.74% | 199.91% | 156.12% | 142.92% | 73.03% | 74.30% | 100.81% | 118.19% | -2,472 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.72% | -15.16% | 3.84% | -6.83% | -10.18% | 3.74% | 10.06% | 0.94% | +778 bps | |
| Loan Growth (YoY) | 5.68% | -13.28% | -3.91% | -10.67% | -16.24% | 6.74% | 5.64% | 3.36% | +1,403 bps | |
| Share Growth (YoY) | -3.80% | -12.30% | 8.17% | -4.07% | -8.01% | 3.45% | 11.17% | 4.54% | +861 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.64% | 3.45% | 1.76% | 1.73% | 1.72% | 4.80% | 4.21% | 4.42% | +269 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 2.57% | 2.17% | 2.26% | 2.30% | 1.66% | 1.52% | 4.97% | +271 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.78% | 4.87% | 4.50% | 4.71% | 5.29% | 5.36% | 5.21% | 2.43% | -228 bps | |
| Net Worth / Assets | 8.78% | 4.87% | 4.50% | 4.71% | 5.29% | 5.36% | 5.21% | 2.43% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.36% | 58.10% | 59.39% | 58.36% | 61.34% | 59.95% | 56.43% | 57.70% | -66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |