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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.83% | 0.68% | 0.85% | 0.34% | -63 bps | |
| Return on Equity | 8.91% | 7.65% | 6.32% | 8.04% | 3.26% | -565 bps | |
| Net Interest Margin | 3.92% | 3.85% | 3.93% | 3.89% | 3.77% | -14 bps | |
| Efficiency Ratio | 64.74% | 69.30% | 73.48% | 67.22% | 86.50% | +2,175 bps | |
| Non-Interest Burden | 2.32% | 2.48% | 2.79% | 2.50% | 3.20% | +88 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.87% | 15.53% | 11.54% | 14.78% | 9.38% | -949 bps | |
| Loan Growth (YoY) | 10.46% | 11.87% | 9.59% | 10.88% | 10.76% | +30 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.14% | -0.02% | 0.00% | 0.21% | +16 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.23% | 10.10% | 10.16% | 9.77% | 9.58% | -65 bps | |
| Total Risk-Based Capital | 14.02% | 14.35% | 14.16% | 13.80% | 13.83% | -19 bps | |
| Equity / Assets | 10.65% | 10.98% | 10.64% | 10.41% | 10.38% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.78% | 85.91% | 83.96% | 83.04% | 82.35% | +156 bps | |
| Liquid Assets / Assets | 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 |