Chiefland, FL · Cert 32737
FDIC · 18 branches
Q3 2022
Market Position · Gainesville, FL · 2022 SOD (annual) · 8.4% share · #4 of 17 inst. · $0.6B of $6.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.00% | 1.46% | 1.64% | 1.35% | 1.07% | 1.12% | 1.00% | -64 bps | |
| Return on Equity | 9.60% | 8.84% | 13.33% | 15.25% | 12.77% | 11.33% | 14.53% | 15.44% | +19 bps | |
| Net Interest Margin | 3.65% | 3.52% | 3.57% | 3.90% | 3.77% | 3.70% | 3.91% | 3.87% | -4 bps | |
| Efficiency Ratio | 67.13% | 66.45% | 65.85% | 63.58% | 63.74% | 64.05% | 62.11% | 68.07% | +449 bps | |
| Non-Interest Burden | 2.10% | 1.99% | 1.99% | 2.11% | 2.02% | 2.02% | 2.09% | 2.37% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.97% | 25.16% | 17.84% | 19.95% | 17.51% | 19.27% | 10.63% | 6.53% | -1,342 bps | |
| Loan Growth (YoY) | 22.19% | 16.36% | 2.46% | -1.48% | 5.23% | 20.39% | 19.36% | 27.41% | +2,889 bps | |
| Deposit Growth (YoY) | 28.24% | 31.84% | 18.77% | 23.70% | 18.73% | 22.79% | 14.08% | 3.68% | -2,002 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.32% | 0.25% | 0.23% | 0.21% | 0.16% | 0.13% | 0.17% | -6 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.06% | 0.35% | 0.23% | 0.36% | 0.34% | 0.68% | +34 bps | |
| Allowance / Loans | 1.87% | 2.03% | 1.97% | 2.02% | 1.91% | 1.78% | 1.77% | 1.77% | -25 bps | |
| Allowance Coverage of NPLs | 10.0x | 6.4x | 7.8x | 8.9x | 9.2x | 11.1x | 13.2x | 10.7x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.57% | 10.66% | 10.11% | 10.16% | 9.91% | 9.93% | 9.63% | 9.79% | -37 bps | |
| Total Risk-Based Capital | 10.57% | 10.66% | 10.11% | 10.16% | 9.91% | 9.93% | 9.63% | 9.79% | -37 bps | |
| Equity / Assets | 11.58% | 11.03% | 10.83% | 10.68% | 10.51% | 8.34% | 7.00% | 5.99% | -469 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.49% | 59.41% | 59.05% | 54.44% | 56.27% | 58.25% | 61.78% | 66.91% | +1,246 bps | |
| Liquid Assets / Assets | 6.12% | 4.77% | 2.21% | 25.45% | 3.78% | 4.49% | 1.83% | 1.69% | -2,377 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |