Winter Park, FL · Cert 57164
FDIC · 5 branches
Q4 2014
Market Position · Orlando-Kissimmee-Sanford, FL · 2014 SOD (annual) · 0.5% share · #24 of 45 inst. · $0.2B of $40.8B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.17% | 0.20% | 0.21% | 0.30% | 0.31% | 0.32% | 0.01% | -20 bps | |
| Return on Equity | 1.42% | 1.52% | 1.83% | 2.00% | 3.03% | 3.13% | 3.18% | 0.07% | -192 bps | |
| Net Interest Margin | 2.91% | 3.03% | 3.14% | 3.06% | 3.23% | 3.13% | 3.18% | 0.13% | -293 bps | |
| Efficiency Ratio | 88.77% | 87.67% | 86.09% | 85.09% | 83.13% | 82.09% | 80.98% | 84.36% | -73 bps | |
| Non-Interest Burden | 2.56% | 2.62% | 2.66% | 2.56% | 2.65% | 2.53% | 2.53% | 0.12% | -245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.38% | -1.60% | 3.39% | 4.08% | 9.70% | 16.73% | 7.36% | 4.87% | +79 bps | |
| Loan Growth (YoY) | 6.31% | 6.54% | 9.71% | 9.50% | 12.68% | 13.26% | 12.78% | 4.48% | -501 bps | |
| Deposit Growth (YoY) | 0.01% | -1.49% | 0.17% | -0.38% | 7.39% | 14.16% | 8.94% | 6.73% | +710 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 | 0.25% | 0.44% | 0.34% | 0.36% | 0.30% | 0.16% | 0.17% | 0.00% | -36 bps | |
| Allowance / Loans | 1.74% | 1.59% | 1.56% | 1.43% | 1.41% | 1.41% | 1.41% | 0.00% | -143 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 | 12.76% | 13.65% | 13.52% | 13.05% | 13.05% | 13.08% | 13.16% | 11.31% | -174 bps | |
| Equity / Assets | 10.93% | 11.01% | 10.27% | 10.15% | 9.79% | 10.02% | 10.37% | 13.21% | +306 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.69% | 74.80% | 74.23% | 78.73% | 73.12% | 74.22% | 76.84% | 77.08% | -165 bps | |
| Liquid Assets / Assets | 8.77% | 4.35% | 6.40% | 4.67% | 9.40% | 8.86% | 6.30% | 20.71% | +1,604 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |