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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14%1 | 0.27% | 0.34% | 0.83% | 0.56% | 0.48% | 0.56% | 0.36%1 | -47 bps | |
| Return on Equity | 0.69% | 1.30% | 1.67% | 4.05% | 2.66% | 2.27% | 2.67% | 1.73% | -232 bps | |
| Net Interest Margin | 3.34% | 3.13% | 3.20% | 3.24% | 3.33% | 3.40% | 3.40% | 3.35% | +10 bps | |
| Efficiency Ratio | 91.88% | 74.50% | 67.11% | 70.18% | 70.28% | 72.20% | 68.28% | 106.18% | +3,599 bps | |
| Non-Interest Burden | 3.40% | 2.56% | 2.20% | 2.36% | 2.43% | 2.60% | 2.42% | 3.78% | +142 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 | 1.41% | 0.84% | 0.67% | -0.27% | 0.19% | 0.61% | 0.40% | 0.51% | +77 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 |