Sebring, FL · Cert 26428
FDIC · 6 branches
Q3 2014
Market Position · Sebring, FL · 2014 SOD (annual) · 16.2% share · #2 of 8 inst. · $0.2B of $1.4B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.33% | -0.55% | -0.17% | -0.18% | -0.38% | 0.09% | 0.20% | 0.21% | +40 bps | |
| Return on Equity | -20.92% | -9.89% | -3.12% | -3.39% | -7.07% | 1.79% | 3.82% | 3.97% | +736 bps | |
| Net Interest Margin | 3.00% | 2.84% | 2.82% | 2.87% | 2.86% | 2.77% | 2.75% | 2.80% | -7 bps | |
| Efficiency Ratio | 106.27% | 118.30% | 105.27% | 105.50% | 103.88% | 98.60% | 96.98% | 95.10% | -1,040 bps | |
| Non-Interest Burden | 3.22% | 3.41% | 2.99% | 3.05% | 2.99% | 2.72% | 2.65% | 2.63% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.41% | -6.17% | -7.18% | -2.97% | -3.72% | -2.26% | 0.55% | -1.07% | +189 bps | |
| Loan Growth (YoY) | -14.48% | -13.44% | -7.92% | -9.57% | -10.06% | -11.26% | -10.70% | -7.25% | +232 bps | |
| Deposit Growth (YoY) | -2.10% | -4.92% | -5.91% | -2.23% | -3.48% | -2.10% | 0.28% | -1.35% | +88 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 | 4.39% | 2.06% | 2.85% | 2.66% | 2.32% | -1.51% | -0.30% | -0.17% | -283 bps | |
| Allowance / Loans | 5.15% | 4.71% | 3.95% | 3.67% | 3.42% | 3.89% | 3.74% | 3.77% | +10 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.13% | 10.32% | 10.62% | 11.03% | 10.63% | 10.81% | 11.22% | 11.65% | +61 bps | |
| Equity / Assets | 5.51% | 5.53% | 5.22% | 5.39% | 5.24% | 5.31% | 5.45% | 5.67% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.59% | 58.22% | 57.36% | 55.40% | 55.53% | 52.77% | 51.08% | 52.09% | -331 bps | |
| Liquid Assets / Assets | 4.47% | 3.98% | 7.09% | 11.81% | 10.11% | 10.98% | 15.37% | 18.24% | +643 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |