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Jacksonville Bank, The

Jacksonville, FL · Cert 34941

FDIC · 9 branches

Q4 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jacksonville Bank, The

Jacksonville, FL · Cert 34941

FDIC · 9 branches

Q4 2015

$507.8MAssets
$410.9MLoans
$415.2MDeposits
$59.1MEquity
Loan mix
75%RE $220.7M24%C&I $70.6M1%Consumer $1.7MQ4 2014Q4 2015
Deposit mix
71%Interest-bearing $296.3M29%Noninterest $118.9MQ4 2014Q4 2015

NIM

4.47%Q4 ’134.21%Q4 ’144.13%Q4 ’15-3%0%

Non-interest income vs. expense

3.57%Q4 ’133.37%Q4 ’142.82%Q4 ’15-14%-13%

Market Position · Jacksonville, FL · 2015 SOD (annual) · 0.8% share · #11 of 38 inst. · $0.4B of $55.8B

Executive Summary

  • Earnings: ROA of 1.50%, up 80 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.81%.
  • Funding: loans stand at 98.97% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

1.50%+80 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-1 bps YoY

Efficiency Ratio (YTD, annualized)

70.20%-1,003 bps YoY

Tier 1 Leverage Ratio

11.81%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.70%1.09%1.95%1.68%1.50%+80 bps
Return on Equity7.08%10.05%17.76%15.12%13.37%+629 bps
Net Interest Margin3.73%3.72%3.73%3.74%3.72%-1 bps
Efficiency Ratio80.22%71.34%70.21%70.02%70.20%-1,003 bps
Non-Interest Burden2.97%2.61%2.58%2.60%2.59%-38 bps
Growth
Asset Growth (YoY)-3.68%-1.17%1.46%-1.08%4.11%+780 bps
Loan Growth (YoY)1.16%-1.61%4.65%10.77%9.68%+852 bps
Deposit Growth (YoY)-4.76%-0.59%0.88%-1.55%-0.43%+433 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.45%0.01%-0.26%-0.07%0.01%-43 bps
Allowance / Loans3.84%3.85%3.33%3.15%3.04%-79 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a10.93%11.52%11.71%11.81%n/a
Total Risk-Based Capital14.74%14.92%15.51%15.52%15.52%+78 bps
Equity / Assets10.66%10.95%11.32%11.55%11.64%+97 bps
Liquidity & Funding
Loans / Deposits89.85%88.05%90.42%92.19%98.97%+913 bps
Liquid Assets / Assets2.19%2.11%2.67%3.07%2.63%+44 bps
CRE / Total Capitaln/an/an/an/an/an/an/a