Ocala, FL · Cert 34683
FDIC · 11 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Ocala, FL · Cert 34683
FDIC · 11 branches
Q3 2019
Market Position · Ocala, FL · 2019 SOD (annual) · 8.1% share · #6 of 21 inst. · $0.5B of $6.4B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 1.10% | 0.88% | 0.91% | 0.93% | -20 bps | |
| Return on Equity | 13.71% | 13.30% | 10.01% | 10.17% | 10.32% | -339 bps | |
| Net Interest Margin | 3.02% | 3.04% | 2.97% | 3.01% | 2.94% | -8 bps | |
| Efficiency Ratio | 69.08% | 68.44% | 70.14% | 69.19% | 69.01% | -7 bps | |
| Non-Interest Burden | 1.85% | 1.84% | 1.87% | 1.86% | 1.80% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.73% | 4.12% | 4.47% | 6.94% | 5.89% | +962 bps | |
| Loan Growth (YoY) | 7.96% | 6.69% | 5.23% | 6.54% | -0.68% | -864 bps | |
| Deposit Growth (YoY) | -4.51% | 4.11% | 3.42% | 5.55% | 5.95% | +1,045 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.10% | 0.00% | 0.04% | +3 bps | |
| Net Charge-Offs / Loans | -0.46% | -0.35% | -0.06% | -0.05% | -0.06% | +40 bps | |
| Allowance / Loans | 1.32% | 1.29% | 1.31% | 1.35% | 1.39% | +7 bps | |
| Allowance Coverage of NPLs | 130.2x | 158.2x | 12.8x | 366.7x | 39.0x | -91.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.26% | 9.46% | 9.35% | 9.34% | 8.58% | -69 bps | |
| Total Risk-Based Capital | 15.54% | 15.96% | 16.88% | 16.62% | 16.25% | +71 bps | |
| Equity / Assets | 8.23% | 8.41% | 9.16% | 9.25% | 9.06% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.59% | 45.46% | 46.02% | 43.90% | 43.67% | -291 bps | |
| Liquid Assets / Assets | 0.93% | 6.30% | 6.41% | 7.63% | 9.55% | +863 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |