PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens First Bank of Ocala

Ocala, FL · Cert 22830

FDIC

Q1 1996

$39.3MAssets
$25.9MLoans
$34.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.70%, up 40 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.68% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.70%+40 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets0.62%0.81%1.04%1.30%1.35%1.48%1.72%1.70%+40 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a52.72%41.35%33.50%25.52%2.06%-5,066 bps
Loan Growth (YoY)n/an/an/a43.83%33.80%14.46%14.07%12.25%-3,158 bps
Deposit Growth (YoY)n/an/an/a57.41%39.94%35.97%27.47%-2.38%-5,979 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits71.10%82.67%81.49%65.82%67.98%69.59%72.92%75.68%+986 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a