Jacksonville, FL · Cert 57709
FDIC · 2 branches
Q4 2015
Market Position · Jacksonville, FL · 2015 SOD (annual) · 0.3% share · #19 of 38 inst. · $0.2B of $55.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | 0.16% | 0.22% | 0.20% | 0.69% | 0.67% | 0.79% | 0.35% | +15 bps | |
| Return on Equity | -3.52% | 1.87% | 2.51% | 2.22% | 7.85% | 7.54% | 8.61% | 3.73% | +151 bps | |
| Net Interest Margin | 3.14% | 3.10% | 3.24% | 3.18% | 3.43% | 3.31% | 3.34% | 3.36% | +17 bps | |
| Efficiency Ratio | 109.84% | 95.30% | 93.54% | 94.38% | 80.81% | 87.19% | 80.47% | 90.74% | -363 bps | |
| Non-Interest Burden | 3.45% | 2.93% | 3.02% | 2.99% | 2.72% | 2.82% | 2.53% | 3.01% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.64% | 3.70% | 0.32% | 3.58% | 4.37% | -0.54% | 4.22% | 0.45% | -313 bps | |
| Loan Growth (YoY) | 0.36% | 9.11% | 0.13% | 4.61% | 4.58% | -0.57% | 11.09% | 9.63% | +502 bps | |
| Deposit Growth (YoY) | 5.16% | 1.03% | 0.27% | 3.99% | 4.40% | 1.65% | -1.19% | -0.17% | -415 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 | 0.14% | 1.08% | -0.32% | 0.24% | 1.11% | -0.02% | -1.02% | 0.30% | +6 bps | |
| Allowance / Loans | 2.30% | 1.89% | 2.15% | 2.02% | 1.66% | 1.58% | 1.80% | 1.69% | -33 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 | 8.18% | 8.52% | 8.88% | 8.70% | n/a | |
| Total Risk-Based Capital | 12.06% | 12.05% | 12.69% | 12.41% | 12.28% | 12.72% | 12.74% | 12.50% | +9 bps | |
| Equity / Assets | 8.53% | 8.66% | 8.91% | 8.90% | 8.58% | 9.18% | 9.14% | 9.50% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.00% | 86.50% | 78.68% | 80.87% | 79.14% | 84.61% | 88.45% | 88.80% | +794 bps | |
| Liquid Assets / Assets | 9.00% | 4.99% | 9.96% | 8.31% | 9.97% | 6.80% | 7.44% | 5.08% | -322 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |