Orlando, FL · Cert 58081
FDIC · 7 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Orlando, FL · Cert 58081
FDIC · 7 branches
Q3 2016
Market Position · Orlando-Kissimmee-Sanford, FL · 2016 SOD (annual) · 0.4% share · #29 of 45 inst. · $0.2B of $44.8B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.76% | 0.80% | 0.85% | 0.85% | 0.68% | 0.77% | 0.62% | -23 bps | |
| Return on Equity | 7.15% | 6.67% | 7.09% | 7.70% | 7.69% | 6.32% | 7.18% | 5.86% | -184 bps | |
| Net Interest Margin | 3.97% | 4.06% | 3.85% | 3.83% | 3.74% | 3.93% | 3.80% | 3.72% | -11 bps | |
| Efficiency Ratio | 69.14% | 72.79% | 71.31% | 69.06% | 69.13% | 73.48% | 70.27% | 75.78% | +671 bps | |
| Non-Interest Burden | 2.63% | 2.75% | 2.57% | 2.46% | 2.40% | 2.79% | 2.57% | 2.73% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.85% | 1.97% | 13.68% | 18.87% | 15.53% | 11.54% | 14.78% | 9.38% | -949 bps | |
| Loan Growth (YoY) | 9.18% | 11.79% | 13.47% | 10.46% | 11.87% | 9.59% | 10.88% | 10.76% | +30 bps | |
| Deposit Growth (YoY) | 2.71% | 0.68% | 14.59% | 20.21% | 16.67% | 11.43% | 14.84% | 8.66% | -1,155 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 | -0.03% | -0.02% | -0.10% | -0.05% | 0.00% | -0.02% | -0.01% | 0.06% | +11 bps | |
| Allowance / Loans | 1.49% | 1.43% | 1.43% | 1.42% | 1.33% | 1.30% | 1.25% | 1.20% | -22 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 | 10.28% | 10.15% | 10.23% | 10.10% | 10.16% | 9.77% | 9.58% | -65 bps | |
| Total Risk-Based Capital | 14.43% | 13.77% | 13.90% | 14.02% | 14.35% | 14.16% | 13.80% | 13.83% | -19 bps | |
| Equity / Assets | 11.78% | 11.01% | 11.02% | 10.65% | 10.98% | 10.64% | 10.41% | 10.38% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.59% | 85.37% | 86.01% | 80.78% | 85.91% | 83.96% | 83.04% | 82.35% | +156 bps | |
| Liquid Assets / Assets | 6.18% | 11.13% | 11.24% | 13.95% | 13.43% | 16.08% | 16.45% | 17.94% | +400 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |