Apopka, FL · Charter 23948
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.41% | 0.33% | 0.48% | 1.30% | 0.65% | -16.44% | -12.78% | -1,326 bps | |
| Return on Equity | 3.37% | 5.51% | 4.33% | 6.46% | 16.86% | 8.67% | n/a | n/a | n/a | |
| Net Interest Margin | 4.32% | 4.33% | 4.80% | 4.76% | 5.11% | 5.12% | 5.18% | 4.17% | -59 bps | |
| Efficiency Ratio | 92.50% | 89.13% | 85.84% | 83.38% | 78.86% | 75.08% | 87.11% | 87.11% | +373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.11% | 6.35% | 6.75% | 17.47% | 1.75% | 1.55% | -9.29% | -19.09% | -3,656 bps | |
| Loan Growth (YoY) | 27.90% | 35.84% | 25.57% | 27.34% | 27.62% | 17.93% | -3.49% | -16.64% | -4,398 bps | |
| Share Growth (YoY) | 7.19% | 5.51% | 6.52% | 18.30% | 0.94% | 1.46% | 1.24% | -6.32% | -2,461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.58% | 1.95% | 1.65% | 1.85% | 1.78% | 1.79% | 2.68% | 2.99% | +114 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 | 0.93% | 0.79% | 1.22% | 1.33% | 1.14% | 1.66% | 5.72% | 10.45% | +912 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.11% | 7.38% | 7.50% | 7.42% | 7.73% | 7.53% | -3.74% | -8.70% | -1,612 bps | |
| Net Worth / Assets | 7.11% | 7.38% | 7.50% | 7.42% | 7.73% | 7.53% | -3.74% | -8.70% | -1,612 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.54% | 70.63% | 78.89% | 81.61% | 84.12% | 82.10% | 75.21% | 72.62% | -899 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |