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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | -0.07% | 0.03% | 0.07% | 0.69% | 0.68% | 0.72% | 0.63% | +56 bps | |
| Return on Equity | -3.52% | -0.81% | 0.31% | 0.79% | 7.85% | 7.69% | 8.00% | 6.91% | +612 bps | |
| Net Interest Margin | 3.14% | 3.06% | 3.14% | 3.10% | 3.43% | 3.38% | 3.38% | 3.30% | +19 bps | |
| Efficiency Ratio | 109.84% | 102.15% | 99.19% | 97.94% | 80.81% | 84.02% | 82.75% | 84.71% | -1,323 bps | |
| Non-Interest Burden | 3.45% | 3.13% | 3.11% | 3.04% | 2.72% | 2.79% | 2.71% | 2.73% | -31 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% | 0.61% | 0.34% | 0.31% | 1.11% | 0.54% | 0.01% | 0.08% | -22 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 |