Ormond Beach, FL · Cert 58173
FDIC · 9 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Ormond Beach, FL · Cert 58173
FDIC · 9 branches
Q4 2015
Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2015 SOD (annual) · 2.4% share · #9 of 27 inst. · $0.2B of $9.9B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 9.82% | 5.77% | 4.21% | 0.46% | 0.48% | 0.44% | 0.46% | -375 bps | |
| Return on Equity | 3.50% | 85.84% | 48.99% | 35.21% | 3.61% | 3.95% | 3.59% | 3.76% | -3,145 bps | |
| Net Interest Margin | 3.31% | 3.18% | 3.04% | 3.00% | 3.33% | 3.13% | 2.89% | 3.10% | +10 bps | |
| Efficiency Ratio | 90.29% | 84.06% | 82.15% | 82.75% | 78.90% | 77.77% | 78.86% | 79.67% | -308 bps | |
| Non-Interest Burden | 2.97% | 2.61% | 2.40% | 2.37% | 2.51% | 2.31% | 2.18% | 2.37% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.53% | 198.84% | 201% | 184.94% | 138.83% | 16.60% | 4.22% | 1.06% | -18,388 bps | |
| Loan Growth (YoY) | 11.51% | 154.05% | 151.64% | 147.45% | 142.74% | 6.30% | 5.92% | 4.52% | -14,293 bps | |
| Deposit Growth (YoY) | 19.13% | 184.76% | 185.92% | 173.49% | 121.76% | 16.19% | 5.51% | 1.27% | -17,223 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 | -0.02% | 0.68% | 0.55% | 0.38% | 0.00% | 0.00% | -0.02% | -0.01% | -40 bps | |
| Allowance / Loans | 1.34% | 1.87% | 1.68% | 1.71% | 1.73% | 1.70% | 1.63% | 1.55% | -16 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 | 11.28% | 10.77% | 10.12% | 10.73% | n/a | |
| Total Risk-Based Capital | 13.14% | 15.17% | 14.83% | 15.76% | 16.01% | 15.20% | 15.24% | 15.76% | 0 bps | |
| Equity / Assets | 9.17% | 12.83% | 12.32% | 12.51% | 13.18% | 11.13% | 12.05% | 12.64% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.08% | 79.26% | 79.60% | 81.40% | 84.37% | 72.51% | 79.91% | 84.01% | +261 bps | |
| Liquid Assets / Assets | 6.80% | 0.43% | 0.02% | 0.11% | 0.47% | 0.29% | 0.11% | 0.03% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |