Jacksonville, FL · Cert 45826
FDIC · 9 branches
Q1 2018
Market Position · Jacksonville, FL · 2017 SOD (annual) · 0.4% share · #15 of 36 inst. · $0.3B 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.69% | 1.84% | 0.67% | 0.55% | 0.50% | -0.01% | 0.67% | 0 bps | |
| Return on Equity | 7.07% | 7.81% | 20.07% | 7.12% | 5.73% | 5.11% | -0.06% | 7.09% | -3 bps | |
| Net Interest Margin | 2.88% | 3.03% | 3.16% | 3.04% | 3.05% | 3.04% | 3.11% | 3.09% | +5 bps | |
| Efficiency Ratio | 71.74% | 73.45% | 64.66% | 71.79% | 77.43% | 76.29% | 68.42% | 72.38% | +59 bps | |
| Non-Interest Burden | 1.77% | 2.03% | 1.75% | 1.85% | 2.22% | 2.18% | 1.95% | 2.08% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.62% | 14.68% | 6.05% | 3.69% | -0.64% | -1.43% | 8.41% | 0.55% | -314 bps | |
| Loan Growth (YoY) | 29.78% | 29.85% | 11.06% | 2.86% | 3.89% | 2.11% | 15.82% | 6.80% | +394 bps | |
| Deposit Growth (YoY) | 13.83% | 24.29% | 12.89% | 24.27% | 20.37% | 9.44% | 7.52% | -6.61% | -3,088 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.30% | 1.23% | 1.19% | 0.91% | 1.02% | -28 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.05% | 0.02% | -0.01% | 0.12% | -0.01% | 0.02% | 0.08% | +9 bps | |
| Allowance / Loans | 1.05% | 1.04% | 1.11% | 1.10% | 1.03% | 1.05% | 1.01% | 1.07% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.8x | 0.8x | 0.9x | 1.1x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.06% | 9.09% | 9.44% | 10.32% | 10.06% | 10.03% | 9.67% | 9.91% | -41 bps | |
| Total Risk-Based Capital | 12.49% | 13.42% | 14.83% | 13.76% | 12.94% | 12.99% | 12.53% | 13.54% | -21 bps | |
| Equity / Assets | 8.82% | 8.85% | 9.45% | 9.49% | 9.77% | 9.78% | 9.15% | 9.83% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 133.72% | 126.14% | 116.60% | 108.95% | 115.41% | 117.68% | 125.60% | 124.59% | +1,564 bps | |
| Liquid Assets / Assets | 2.18% | 4.94% | 6.18% | 2.56% | 3.13% | 4.13% | 4.77% | 4.74% | +218 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |