Ormond Beach, FL · Cert 58176
FDIC · 3 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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 58176
FDIC · 3 branches
Q1 2017
Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2016 SOD (annual) · 2.3% share · #12 of 25 inst. · $0.2B of $10.4B
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50%1 | 0.58%1 | 0.68%1 | 0.63% | 0.68% | 0.66% | 0.86% | 0.74% | +12 bps | |
| Return on Equity | 4.37% | 5.03% | 5.97% | 5.83% | 6.49% | 6.44% | 8.55% | 7.70% | +187 bps | |
| Net Interest Margin | 2.73% | 2.77% | 2.72% | 2.80% | 2.60% | 2.52% | 2.54% | 2.80% | 0 bps | |
| Efficiency Ratio | 247% | 141.15% | 108.60% | 76.73% | 73.87% | 73.90% | 72.06% | 64.66% | -1,208 bps | |
| Non-Interest Burden | 4.15% | 3.44% | 2.88% | 2.14% | 1.90% | 1.84% | 1.81% | 1.78% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.22% | 0.15% | 0.59% | 18.84% | 32.85% | 32.43% | 23.63% | 8.16% | -1,068 bps | |
| Loan Growth (YoY) | 10.34% | 18.24% | 9.50% | 15.64% | 38.50% | 29.30% | 23.10% | 20.42% | +479 bps | |
| Deposit Growth (YoY) | -17.28% | -1.31% | -3.94% | 22.61% | 24.72% | 27.88% | 23.44% | 5.52% | -1,709 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 | 0.00% | -0.01% | -0.01% | -0.02% | -0.15% | -1.04% | -0.72% | -0.05% | -3 bps | |
| Allowance / Loans | 1.87% | 1.70% | 1.64% | 1.54% | 1.37% | 2.04% | 1.41% | 1.36% | -18 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 | 11.86% | 12.15% | 11.71% | 11.05% | 9.93% | 9.47% | 9.67% | 9.82% | -123 bps | |
| Total Risk-Based Capital | 22.10% | 20.66% | 19.94% | 18.39% | 16.91% | 16.73% | 16.59% | 16.09% | -229 bps | |
| Equity / Assets | 11.90% | 11.82% | 11.07% | 10.41% | 10.04% | 9.68% | 9.43% | 9.89% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.67% | 59.35% | 57.69% | 55.71% | 60.71% | 60.01% | 57.54% | 63.58% | +787 bps | |
| Liquid Assets / Assets | 11.58% | 10.37% | 7.45% | 9.96% | 7.50% | 8.33% | 9.08% | 5.30% | -466 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |