Lake City, FL · Cert 34702
FDIC · 2 branches
Q4 2018
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.13% | 0.44% | 0.54% | 0.76% | +37 bps | |
| Return on Equity | 4.43% | 1.51% | 4.98% | 6.08% | 8.55% | +412 bps | |
| Net Interest Margin | 3.64% | 3.79% | 3.83% | 3.80% | 3.86% | +22 bps | |
| Efficiency Ratio | 85.29% | 96.15% | 87.47% | 84.81% | 82.12% | -317 bps | |
| Non-Interest Burden | 2.95% | 3.62% | 3.26% | 3.10% | 3.03% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.73% | 0.40% | 3.92% | 3.25% | 4.01% | -172 bps | |
| Loan Growth (YoY) | 15.00% | 19.40% | 25.00% | 14.62% | 12.58% | -242 bps | |
| Deposit Growth (YoY) | 4.80% | -0.53% | 1.21% | -1.68% | -2.96% | -776 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.90% | 0.67% | 0.80% | 0.49% | 1.15% | +25 bps | |
| Net Charge-Offs / Loans | 0.15% | -0.02% | -0.01% | -0.01% | -0.05% | -20 bps | |
| Allowance / Loans | 1.20% | 1.12% | 1.09% | 1.08% | 0.92% | -27 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.7x | 1.4x | 2.2x | 0.8x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.92% | 8.94% | 8.97% | 9.00% | 9.22% | +29 bps | |
| Total Risk-Based Capital | 11.68% | 11.30% | 11.44% | 11.45% | 11.39% | -29 bps | |
| Equity / Assets | 8.99% | 8.76% | 8.68% | 8.89% | 9.18% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.72% | 94.41% | 97.13% | 101.45% | 105.25% | +1,453 bps | |
| Liquid Assets / Assets | 5.14% | 2.64% | 2.65% | 1.44% | 1.42% | -372 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |