Ocala, FL · Cert 57845
FDIC · 6 branches
Q2 2014
Market Position · Gainesville, FL · 2014 SOD (annual) · 3.3% share · #9 of 19 inst. · $0.1B of $3.6B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.24% | 0.25% | 0.64% | 0.55% | +35 bps | |
| Return on Equity | 2.42% | 2.85% | 3.03% | 7.53% | 6.45% | +402 bps | |
| Net Interest Margin | 2.92% | 2.91% | 3.03% | 3.08% | 3.11% | +19 bps | |
| Efficiency Ratio | 81.01% | 84.04% | 85.21% | 78.65% | 81.43% | +42 bps | |
| Non-Interest Burden | 1.95% | 2.12% | 2.31% | 2.07% | 2.23% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.39% | -3.05% | 0.53% | 1.00% | -1.22% | -261 bps | |
| Loan Growth (YoY) | -4.97% | -6.33% | 2.21% | 4.88% | 11.02% | +1,599 bps | |
| Deposit Growth (YoY) | 1.50% | -3.90% | -3.39% | 0.95% | -3.54% | -504 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.99% | 0.69% | 0.70% | -0.03% | 0.08% | -91 bps | |
| Allowance / Loans | 2.33% | 2.34% | 1.93% | 1.97% | 1.85% | -48 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.44% | 11.84% | 11.50% | 11.94% | 12.06% | +62 bps | |
| Equity / Assets | 8.04% | 8.51% | 8.41% | 8.56% | 8.77% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.50% | 83.29% | 91.21% | 86.01% | 91.50% | +1,200 bps | |
| Liquid Assets / Assets | 0.11% | 0.06% | 0.08% | 0.12% | 0.18% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |