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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.42% | 0.48% | 0.47% | 0.46% | +14 bps | |
| Return on Equity | 2.94% | 3.93% | 4.48% | 4.27% | 4.13% | +119 bps | |
| Net Interest Margin | 2.90% | 2.98% | 2.86% | 2.94% | 2.94% | +4 bps | |
| Efficiency Ratio | 85.88% | 80.42% | 78.29% | 78.73% | 77.63% | -825 bps | |
| Non-Interest Burden | 2.46% | 2.35% | 2.19% | 2.26% | 2.22% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.84% | 14.63% | 11.37% | 6.09% | 5.89% | -595 bps | |
| Loan Growth (YoY) | 19.76% | 21.77% | 10.34% | 10.32% | 10.34% | -942 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.11% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 11.41% | n/a | n/a |
| Total Risk-Based Capital | 16.54% | 16.32% | 16.53% | 15.96% | 15.43% | -111 bps | |
| Equity / Assets | 10.69% | 10.76% | 10.91% | 11.20% | 11.14% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.80% | 82.09% | 81.73% | 88.63% | 89.84% | +404 bps | |
| Liquid Assets / Assets | 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 |