Jacksonville, FL · Cert 34941
FDIC · 9 branches
Q4 2015
Market Position · Jacksonville, FL · 2015 SOD (annual) · 0.8% share · #11 of 38 inst. · $0.4B of $55.8B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 1.09% | 1.95% | 1.68% | 1.50% | +80 bps | |
| Return on Equity | 7.08% | 10.05% | 17.76% | 15.12% | 13.37% | +629 bps | |
| Net Interest Margin | 3.73% | 3.72% | 3.73% | 3.74% | 3.72% | -1 bps | |
| Efficiency Ratio | 80.22% | 71.34% | 70.21% | 70.02% | 70.20% | -1,003 bps | |
| Non-Interest Burden | 2.97% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.01% | -0.26% | -0.07% | 0.01% | -43 bps | |
| Allowance / Loans | 3.84% | 3.85% | 3.33% | 3.15% | 3.04% | -79 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 10.93% | 11.52% | 11.71% | 11.81% | n/a | |
| Total Risk-Based Capital | 14.74% | 14.92% | 15.51% | 15.52% | 15.52% | +78 bps | |
| Equity / Assets | 10.66% | 10.95% | 11.32% | 11.55% | 11.64% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.85% | 88.05% | 90.42% | 92.19% | 98.97% | +913 bps | |
| Liquid Assets / Assets | 2.19% | 2.11% | 2.67% | 3.07% | 2.63% | +44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |