Jacksonville, FL · Cert 35200
FDIC · 8 branches
Q4 2017
Market Position · Jacksonville, FL · 2017 SOD (annual) · 0.6% share · #14 of 36 inst. · $0.4B of $58.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.70% | 0.95% | 1.20% | 0.30% | -66 bps | |
| Return on Equity | 7.62% | 5.78% | 7.90% | 9.94% | 2.41% | -522 bps | |
| Net Interest Margin | 4.08% | 3.69% | 3.86% | 3.88% | 3.77% | -31 bps | |
| Efficiency Ratio | 61.17% | 68.85% | 61.57% | 62.98% | 74.14% | +1,298 bps | |
| Non-Interest Burden | 2.45% | 2.51% | 2.30% | 2.38% | 2.77% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.00% | 6.26% | 7.40% | 6.77% | -0.20% | -420 bps | |
| Loan Growth (YoY) | 3.39% | 3.21% | 3.01% | 3.56% | -0.02% | -341 bps | |
| Deposit Growth (YoY) | 0.54% | 11.02% | 5.11% | 5.82% | 5.34% | +480 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.11% | 0.02% | 0.14% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.04% | 0.02% | -0.33% | -32 bps | |
| Allowance / Loans | 0.73% | 0.75% | 0.73% | 0.73% | 0.84% | +11 bps | |
| Allowance Coverage of NPLs | n/a | 6.7x | 39.6x | 5.2x | 5.8x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.09% | 11.83% | 11.91% | 12.21% | 12.52% | +44 bps | |
| Total Risk-Based Capital | 17.29% | 16.85% | 17.04% | 17.22% | 17.91% | +62 bps | |
| Equity / Assets | 12.17% | 12.00% | 12.00% | 12.22% | 12.97% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.82% | 79.63% | 85.82% | 85.90% | 82.40% | -442 bps | |
| Liquid Assets / Assets | 5.70% | 5.88% | 5.36% | 6.83% | 4.79% | -91 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |