Lakeland, FL · Cert 58313
FDIC · 3 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 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.
Lakeland, FL · Cert 58313
FDIC · 3 branches
Q1 2015
Market Position · Lakeland-Winter Haven, FL · 2014 SOD (annual) · 3.3% share · #8 of 18 inst. · $0.2B of $5.8B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96%1 | 0.83%1 | 0.70% | 0.32% | 0.42% | 0.48% | 0.47% | 0.46% | +14 bps | |
| Return on Equity | 7.65% | 6.74% | 5.83% | 2.94% | 3.93% | 4.48% | 4.27% | 4.13% | +119 bps | |
| Net Interest Margin | 3.06% | 3.04% | 2.95% | 2.90% | 2.98% | 2.86% | 2.94% | 2.94% | +4 bps | |
| Efficiency Ratio | 84.90% | 82.48% | 83.29% | 85.88% | 80.42% | 78.29% | 78.73% | 77.63% | -825 bps | |
| Non-Interest Burden | 2.56% | 2.46% | 2.42% | 2.46% | 2.35% | 2.19% | 2.26% | 2.22% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.30% | 7.42% | 12.07% | 11.84% | 14.63% | 11.37% | 6.09% | 5.89% | -595 bps | |
| Loan Growth (YoY) | 9.89% | 16.66% | 18.01% | 19.76% | 21.77% | 10.34% | 10.32% | 10.34% | -942 bps | |
| Deposit Growth (YoY) | -1.90% | 7.02% | 12.96% | 12.59% | 16.23% | 15.18% | 6.39% | 5.38% | -721 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 | 0.04% | 0.04% | 0.05% | 0.00% | 0.00% | 0.00% | 0.11% | 0.00% | 0 bps | |
| Allowance / Loans | 1.31% | 1.25% | 1.16% | 1.16% | 1.17% | 1.20% | 1.05% | 1.05% | -10 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 | 11.41% | n/a | n/a |
| Total Risk-Based Capital | 19.05% | 17.82% | 17.54% | 16.54% | 16.32% | 16.53% | 15.96% | 15.43% | -111 bps | |
| Equity / Assets | 12.03% | 11.40% | 10.96% | 10.69% | 10.76% | 10.91% | 11.20% | 11.14% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.35% | 85.32% | 85.48% | 85.80% | 82.09% | 81.73% | 88.63% | 89.84% | +404 bps | |
| Liquid Assets / Assets | 0.72% | 0.57% | 5.45% | 3.96% | 3.74% | 1.43% | 4.54% | 4.07% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |