Winter Park, FL · Cert 27550
FDIC · 12 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Winter Park, FL · Cert 27550
FDIC · 12 branches
Q3 2014
Market Position · Orlando-Kissimmee-Sanford, FL · 2014 SOD (annual) · 0.7% share · #19 of 45 inst. · $0.3B of $40.8B
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 | 0.22%1 | 0.27% | 0.31% | 0.48% | 0.50% | 0.48% | 0.52% | 0.47%1 | -2 bps | |
| Return on Equity | 1.10% | 1.30% | 1.49% | 2.34% | 2.42% | 2.27% | 2.47% | 2.23% | -11 bps | |
| Net Interest Margin | 3.22% | 3.13% | 3.15% | 3.19% | 3.21% | 3.40% | 3.35% | 3.31% | +11 bps | |
| Efficiency Ratio | 82.04% | 74.50% | 70.60% | 70.46% | 70.41% | 72.20% | 70.22% | 82.31% | +1,185 bps | |
| Non-Interest Burden | 2.96% | 2.56% | 2.37% | 2.37% | 2.38% | 2.60% | 2.47% | 2.87% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.92% | -4.76% | -3.92% | -7.61% | -1.50% | 0.25% | 1.96% | 1.87% | +948 bps | |
| Loan Growth (YoY) | 15.00% | 2.33% | 6.43% | 6.62% | 7.75% | 7.70% | 6.43% | 5.61% | -101 bps | |
| Deposit Growth (YoY) | 20.62% | 0.54% | 1.58% | -3.72% | -1.83% | -0.19% | 1.23% | 2.39% | +611 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 | 0.67% | 0.84% | 0.74% | 0.41% | 0.34% | 0.61% | 0.50% | 0.50% | +10 bps | |
| Allowance / Loans | 1.75% | 1.61% | 1.61% | 1.73% | 1.67% | 1.53% | 1.46% | 1.38% | -35 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 | 16.59% | 16.65% | 16.33% | 16.85% | 17.04% | 16.95% | 16.90% | 17.48% | +63 bps | |
| Equity / Assets | 20.72% | 20.60% | 20.36% | 20.70% | 21.26% | 20.92% | 20.72% | 20.78% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.87% | 67.88% | 70.07% | 71.05% | 74.49% | 73.24% | 73.67% | 73.29% | +224 bps | |
| Liquid Assets / Assets | 3.46% | 4.89% | 0.90% | 1.59% | 1.55% | 1.58% | 1.57% | 12.69% | +1,110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |