Pensacola, FL · Cert 57564
FDIC · 5 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pensacola, FL · Cert 57564
FDIC · 5 branches
Q4 2016
Market Position · Pensacola-Ferry Pass-Brent, FL · 2016 SOD (annual) · 2.1% share · #12 of 20 inst. · $0.1B of $5.4B
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -0.23% | -0.30% | -0.35% | -0.13% | 0.04%1 | -0.10% | -8.23% | -789 bps | |
| Return on Equity | -5.83% | -5.26% | -7.05% | -8.14% | -2.99% | 0.92% | -2.25% | -309% | -30,108 bps | |
| Net Interest Margin | 3.34% | 3.36% | 3.33% | 3.40% | 3.58% | 3.59% | 3.52% | 3.53% | +13 bps | |
| Efficiency Ratio | 110.27% | 107.94% | 108.88% | 109.47% | 106.88% | 101.73% | 103.74% | n/a | n/a | |
| Non-Interest Burden | 3.76% | 3.70% | 3.70% | 3.80% | 3.90% | 3.67% | 3.70% | 11.63% | +783 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.99% | -7.43% | -2.96% | -3.78% | -5.03% | -3.98% | -1.69% | -7.70% | -392 bps | |
| Loan Growth (YoY) | -8.87% | -2.77% | -2.05% | 0.80% | 1.83% | 0.91% | 7.30% | 5.71% | +491 bps | |
| Deposit Growth (YoY) | -13.04% | -8.47% | -3.31% | -3.84% | -4.71% | -5.27% | -3.44% | -3.13% | +71 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 | -0.09% | 0.17% | -0.10% | -0.09% | -0.17% | 0.12% | 0.01% | -0.05% | +4 bps | |
| Allowance / Loans | 3.26% | 3.17% | 3.40% | 3.34% | 3.32% | 3.26% | 3.18% | 3.21% | -13 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 | 4.52% | 4.40% | 4.26% | 4.22% | 4.34% | 4.46% | 4.24% | -3.71% | -793 bps | |
| Total Risk-Based Capital | 6.58% | 6.50% | 6.53% | 6.45% | 6.29% | 6.43% | 6.17% | -3.41% | -986 bps | |
| Equity / Assets | 4.38% | 4.10% | 4.18% | 4.23% | 4.26% | 4.34% | 4.27% | -4.39% | -862 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.62% | 70.26% | 69.55% | 74.56% | 75.46% | 74.84% | 77.29% | 81.36% | +680 bps | |
| Liquid Assets / Assets | 2.83% | 3.33% | 5.03% | 1.79% | 1.98% | 4.61% | 4.46% | 0.13% | -165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |