Orlando, FL · Cert 34427
FDIC · 16 branches
Q3 2015
Market Position · Orlando-Kissimmee-Sanford, FL · 2015 SOD (annual) · 1.0% share · #14 of 45 inst. · $0.4B of $42.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | 0.17% | 0.46% | 0.50% | 0.68% | 0.68% | 0.58% | 0.61% | +11 bps | |
| Return on Equity | -2.22% | 1.95% | 5.15% | 5.58% | 7.58% | 7.60% | 6.48% | 6.54% | +96 bps | |
| Net Interest Margin | 3.01% | 3.10% | 2.98% | 3.07% | 3.09% | 3.15% | 3.26% | 3.18% | +11 bps | |
| Efficiency Ratio | 80.30% | 88.76% | 85.81% | 76.83% | 68.64% | 69.43% | 72.07% | 69.97% | -685 bps | |
| Non-Interest Burden | 2.41% | 2.73% | 2.55% | 2.30% | 2.06% | 2.00% | 2.26% | 2.13% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.52% | 0.55% | -0.40% | 5.39% | 6.08% | 7.31% | 9.60% | 3.43% | -197 bps | |
| Loan Growth (YoY) | -3.04% | 2.86% | 4.08% | 8.02% | 10.68% | 11.05% | 12.74% | 12.14% | +412 bps | |
| Deposit Growth (YoY) | -9.45% | 1.32% | -0.91% | 5.56% | 11.45% | 8.51% | 11.19% | 3.66% | -190 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 | 2.15% | 0.10% | -1.12% | -0.51% | 0.24% | -0.02% | -0.03% | 0.02% | +53 bps | |
| Allowance / Loans | 1.51% | 1.50% | 1.78% | 1.87% | 1.71% | 1.66% | 1.65% | 1.61% | -25 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 | 6.91% | 7.17% | 7.56% | n/a | |
| Total Risk-Based Capital | 9.82% | 9.66% | 10.00% | 9.91% | 10.04% | 10.85% | 11.08% | 11.66% | +175 bps | |
| Equity / Assets | 8.81% | 8.78% | 8.93% | 8.85% | 9.03% | 8.99% | 8.90% | 9.70% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.57% | 72.74% | 72.84% | 73.21% | 76.04% | 74.44% | 73.85% | 79.20% | +599 bps | |
| Liquid Assets / Assets | 3.10% | 7.31% | 8.05% | 5.34% | 2.54% | 5.38% | 8.67% | 6.37% | +103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |