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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.97% | 0.94% | 1.49% | 1.03% | 0.88% | 0.94% | 0.95% | -54 bps | |
| Return on Equity | 6.80% | 11.63% | 11.51% | 18.24% | 12.41% | 10.01% | 10.26% | 10.38% | -785 bps | |
| Net Interest Margin | 2.92% | 2.98% | 3.00% | 3.05% | 3.15% | 2.97% | 3.05% | 2.95% | -9 bps | |
| Efficiency Ratio | 64.14% | 67.79% | 68.87% | 70.52% | 66.64% | 70.14% | 68.27% | 68.65% | -188 bps | |
| Non-Interest Burden | 1.65% | 1.78% | 1.84% | 1.91% | 1.82% | 1.87% | 1.84% | 1.80% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.89% | 6.00% | -0.30% | -3.73% | 4.12% | 4.47% | 6.94% | 5.89% | +962 bps | |
| Loan Growth (YoY) | 5.15% | 5.09% | 1.87% | 7.96% | 6.69% | 5.23% | 6.54% | -0.68% | -864 bps | |
| Deposit Growth (YoY) | 9.91% | 6.37% | 0.17% | -4.51% | 4.11% | 3.42% | 5.55% | 5.95% | +1,045 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.19% | 0.01% | 0.01% | 0.10% | 0.00% | 0.04% | +3 bps | |
| Net Charge-Offs / Loans | -0.11% | 0.00% | -1.21% | -0.25% | -0.06% | -0.06% | -0.04% | -0.07% | +17 bps | |
| Allowance / Loans | 1.47% | 1.46% | 1.80% | 1.32% | 1.29% | 1.31% | 1.35% | 1.39% | +7 bps | |
| Allowance Coverage of NPLs | 34.6x | 35.8x | 9.6x | 130.2x | 158.2x | 12.8x | 366.7x | 39.0x | -91.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.42% | 8.99% | 8.83% | 9.26% | 9.46% | 9.35% | 9.34% | 8.58% | -69 bps | |
| Total Risk-Based Capital | 15.67% | 15.83% | 16.17% | 15.54% | 15.96% | 16.88% | 16.62% | 16.25% | +71 bps | |
| Equity / Assets | 8.45% | 8.23% | 8.07% | 8.23% | 8.41% | 9.16% | 9.25% | 9.06% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.36% | 45.23% | 43.49% | 46.59% | 45.46% | 46.02% | 43.90% | 43.67% | -291 bps | |
| Liquid Assets / Assets | 1.71% | 2.39% | 3.78% | 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 | n/a | n/a | n/a |