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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.76% | 0.98% | 0.72% | 1.09% | 2.81% | 1.15% | 0.97% | +24 bps | |
| Return on Equity | 3.68% | 7.70% | 9.78% | 7.01% | 10.05% | 25.21% | 10.08% | 8.35% | +134 bps | |
| Net Interest Margin | 3.60% | 3.94% | 3.74% | 3.71% | 3.72% | 3.79% | 3.83% | 3.79% | +8 bps | |
| Efficiency Ratio | 89.42% | 75.45% | 76.32% | 80.75% | 71.34% | 69.11% | 69.62% | 70.73% | -1,002 bps | |
| Non-Interest Burden | 3.24% | 2.95% | 2.73% | 3.00% | 2.61% | 2.57% | 2.69% | 2.67% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.58% | -5.27% | -0.59% | -3.68% | -1.17% | 1.46% | -1.08% | 4.11% | +780 bps | |
| Loan Growth (YoY) | -3.49% | -3.51% | -3.30% | 1.16% | -1.61% | 4.65% | 10.77% | 9.68% | +852 bps | |
| Deposit Growth (YoY) | -4.92% | -6.19% | -0.47% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.69% | 0.84% | -0.61% | 0.85% | 0.01% | -0.52% | 0.29% | 0.25% | -60 bps | |
| Allowance / Loans | 3.98% | 3.97% | 4.21% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 10.93% | 11.52% | 11.71% | 11.81% | n/a | |
| Total Risk-Based Capital | 14.00% | 14.54% | 15.07% | 14.74% | 14.92% | 15.51% | 15.52% | 15.52% | +78 bps | |
| Equity / Assets | 9.74% | 10.08% | 9.97% | 10.66% | 10.95% | 11.32% | 11.55% | 11.64% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.95% | 87.17% | 81.94% | 89.85% | 88.05% | 90.42% | 92.19% | 98.97% | +913 bps | |
| Liquid Assets / Assets | 2.79% | 2.61% | 9.08% | 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 | n/a | n/a | n/a |