Port Richey, FL · Cert 35344
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | -1.66% | 0.18% | 1.10% | 0.24% | 0.17% | 0.50% | 0.46% | -64 bps | |
| Return on Equity | 0.92% | -7.53% | 0.82% | 5.01% | 1.12% | 0.76% | 2.25% | 2.07% | -294 bps | |
| Net Interest Margin | 3.69% | 3.71% | 3.64% | 3.45% | 3.47% | 3.66% | 3.37% | 3.21% | -24 bps | |
| Efficiency Ratio | 89.92% | 86.20% | 88.47% | 73.63% | 90.82% | 77.82% | 79.00% | 77.61% | +398 bps | |
| Non-Interest Burden | 3.32% | 3.15% | 3.17% | 2.21% | 3.11% | 2.75% | 2.54% | 2.29% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.07% | -1.58% | -0.88% | 2.94% | 2.43% | 0.68% | 1.41% | -1.28% | -423 bps | |
| Loan Growth (YoY) | 15.94% | 7.79% | 1.61% | -1.47% | -3.69% | 3.04% | 5.87% | 6.72% | +818 bps | |
| Deposit Growth (YoY) | -5.10% | -1.67% | -0.48% | 3.83% | 4.26% | 0.39% | 1.37% | -2.23% | -606 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 | 1.00% | -0.04% | 2.80% | 0.10% | 0.64% | 0.47% | 0.54% | 0.33% | +23 bps | |
| Allowance / Loans | 2.49% | 3.60% | 3.07% | 2.91% | 2.73% | 2.68% | 2.55% | 2.53% | -37 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.24% | 17.94% | 18.02% | 18.31% | 18.68% | 18.30% | 18.69% | 18.49% | +18 bps | |
| Equity / Assets | 22.40% | 21.82% | 22.60% | 21.21% | 21.80% | 22.03% | 22.72% | 21.77% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.89% | 95.18% | 96.29% | 87.40% | 91.35% | 97.70% | 100.57% | 95.40% | +800 bps | |
| Liquid Assets / Assets | 0.12% | 0.46% | 0.11% | 0.66% | 1.22% | 1.62% | 0.29% | 0.49% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |