Orlando, FL · Cert 57960
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70%1 | -0.18% | -0.12% | 0.05% | 0.03%1 | 0.42% | 1.00% | 0.67% | +62 bps | |
| Return on Equity | 8.30% | -2.05% | -1.27% | 0.48% | 0.26% | 3.94% | 9.20% | 6.00% | +552 bps | |
| Net Interest Margin | 2.86% | 3.02% | 3.03% | 3.06% | 3.15% | 3.35% | 4.05% | 3.46% | +40 bps | |
| Efficiency Ratio | 87.02% | 112.39% | 96.92% | 98.81% | 103.80% | 88.74% | 76.47% | 82.57% | -1,624 bps | |
| Non-Interest Burden | 2.53% | 3.44% | 3.01% | 3.02% | 3.28% | 2.94% | 3.09% | 2.80% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.02% | -21.51% | -19.85% | -22.90% | -20.52% | -14.22% | -14.64% | -2.82% | +2,008 bps | |
| Loan Growth (YoY) | -10.04% | -12.66% | -17.55% | -17.67% | -11.72% | -9.63% | -4.26% | -0.16% | +1,751 bps | |
| Deposit Growth (YoY) | -21.87% | -22.90% | -20.86% | -26.34% | -23.46% | -17.61% | -19.50% | -2.70% | +2,365 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 | -0.33% | 0.52% | 0.12% | 0.38% | -0.05% | 0.14% | 3.27% | 0.28% | -10 bps | |
| Allowance / Loans | 3.09% | 3.18% | 3.42% | 3.48% | 3.44% | 3.42% | 2.64% | 2.57% | -91 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.91% | 12.70% | 13.63% | 14.20% | 14.20% | 14.51% | 14.91% | 14.77% | +57 bps | |
| Equity / Assets | 8.78% | 9.31% | 9.63% | 10.51% | 10.54% | 10.60% | 11.22% | 10.98% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.77% | 81.45% | 79.03% | 85.05% | 89.70% | 89.34% | 93.99% | 87.27% | +222 bps | |
| Liquid Assets / Assets | 2.94% | 3.92% | 5.35% | 5.44% | 2.93% | 4.45% | 0.83% | 2.32% | -312 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |