Merritt Island, FL · Cert 33198
FDIC · 2 branches
Q2 2019
Market Position · Palm Bay-Melbourne-Titusville, FL · 2019 SOD (annual) · 1.3% share · #14 of 19 inst. · $0.1B of $9.4B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | -0.89% | 0.81% | 0.77% | 1.05% | 1.00% | 0.51% | 0.04%1 | -73 bps | |
| Return on Equity | 5.55% | -4.96% | 4.75% | 4.50% | 6.14% | 5.86% | 2.84% | 0.21% | -429 bps | |
| Net Interest Margin | 4.84% | 4.64% | 4.54% | 4.48% | 4.32% | 4.32% | 4.15% | 4.21% | -27 bps | |
| Efficiency Ratio | 67.85% | 64.90% | 75.65% | 76.02% | 71.84% | 72.11% | 83.46% | 108.82% | +3,281 bps | |
| Non-Interest Burden | 2.99% | 2.81% | 3.25% | 3.24% | 2.95% | 2.95% | 3.29% | 4.40% | +116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.49% | -1.94% | -2.49% | -1.76% | 0.62% | 1.38% | -1.94% | -2.22% | -46 bps | |
| Loan Growth (YoY) | -7.70% | -7.25% | -5.58% | -1.61% | 0.92% | 1.85% | 0.02% | -0.57% | +103 bps | |
| Deposit Growth (YoY) | -3.90% | -1.32% | -2.06% | 0.03% | 3.00% | 1.15% | -2.74% | -4.44% | -447 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.21% | 1.09% | 0.18% | 0.06% | 0.06% | 0.05% | 2.01% | 2.30% | +225 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.32% | 0.74% | 0.50% | 0.30% | 0.20% | -0.05% | -0.05% | -56 bps | |
| Allowance / Loans | 2.33% | 2.26% | 2.07% | 2.03% | 1.87% | 1.82% | 1.86% | 1.90% | -13 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.1x | 11.4x | 35.1x | 32.9x | 34.7x | 0.9x | 0.8x | -34.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.96% | 12.92% | 13.35% | 13.74% | 13.75% | 13.98% | 14.56% | 14.40% | +65 bps | |
| Total Risk-Based Capital | 19.14% | 19.19% | 20.85% | 21.17% | 21.48% | 21.28% | 21.73% | 21.86% | +69 bps | |
| Equity / Assets | 18.81% | 17.10% | 17.06% | 17.07% | 17.04% | 17.39% | 18.31% | 18.24% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.03% | 83.77% | 84.17% | 82.13% | 80.38% | 84.35% | 86.56% | 85.45% | +332 bps | |
| Liquid Assets / Assets | 0.84% | 0.55% | 0.07% | 0.08% | 0.08% | 0.08% | 0.08% | 0.28% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |