Crystal River, FL · Cert 57773
FDIC · 2 branches
Q4 2016
Market Position · Homosassa Springs, FL · 2016 SOD (annual) · 2.4% share · #12 of 12 inst. · $0.1B of $2.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.47% | 0.51% | 0.37% | 0.26% | 0.33% | 0.18% | 0.75%1 | +37 bps | |
| Return on Equity | 2.57% | 3.55% | 3.82% | 2.92% | 2.14% | 2.62% | 1.30% | 5.23% | +231 bps | |
| Net Interest Margin | 3.58% | 3.62% | 3.64% | 3.62% | 3.29% | 3.35% | 3.47% | 3.52% | -10 bps | |
| Efficiency Ratio | 84.60% | 79.59% | 78.04% | 82.22% | 87.04% | 84.57% | 93.26% | 90.65% | +843 bps | |
| Non-Interest Burden | 2.93% | 2.77% | 2.74% | 2.88% | 2.79% | 2.74% | 3.16% | 3.08% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.21% | 1.77% | 4.37% | 20.52% | 15.23% | 2.78% | 0.21% | -14.47% | -3,499 bps | |
| Loan Growth (YoY) | -1.81% | 0.39% | 0.72% | 6.06% | 5.58% | 0.25% | 2.08% | -5.13% | -1,119 bps | |
| Deposit Growth (YoY) | -1.98% | 1.62% | 4.50% | 23.46% | 17.20% | 2.64% | -0.06% | -16.83% | -4,029 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 | -0.01% | -0.01% | 0.51% | -0.01% | -0.06% | -0.01% | 0.00% | 1.05% | +106 bps | |
| Allowance / Loans | 2.27% | 2.18% | 2.09% | 2.00% | 2.04% | 2.07% | 2.06% | 1.75% | -25 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 | 11.77% | 11.08% | 11.34% | 10.56% | 10.50% | 11.57% | 11.68% | 11.80% | +124 bps | |
| Total Risk-Based Capital | 15.49% | 14.53% | 15.07% | 13.15% | 14.48% | 15.97% | 15.85% | 15.56% | +241 bps | |
| Equity / Assets | 13.65% | 13.03% | 13.63% | 12.13% | 12.22% | 13.16% | 13.98% | 14.61% | +247 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.07% | 79.56% | 81.41% | 73.94% | 73.03% | 77.71% | 83.16% | 84.35% | +1,041 bps | |
| Liquid Assets / Assets | 2.22% | 2.11% | 2.17% | 1.92% | 1.92% | 1.23% | 1.30% | 0.00% | -192 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |