Orlando, FL · Cert 58328
FDIC · 14 branches
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Orlando, FL · Cert 58328
FDIC · 14 branches
Q2 2020
Market Position · Orlando-Kissimmee-Sanford, FL · 2020 SOD (annual) · 1.7% share · #11 of 42 inst. · $1.0B of $62.0B
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.99% | 0.13% | 0.57% | 0.72% | 0.83% | 0.88% | 0.38% | -20 bps | |
| Return on Equity | 12.91% | 12.92% | 1.59% | 6.95% | 8.58% | 9.64% | 9.29% | 4.28% | -268 bps | |
| Net Interest Margin | 2.78% | 2.76% | 2.71% | 2.69% | 2.73% | 2.70% | 2.56% | 2.36% | -33 bps | |
| Efficiency Ratio | 58.50% | 58.05% | 61.80% | 60.69% | 60.56% | 58.25% | 63.37% | 64.44% | +375 bps | |
| Non-Interest Burden | 1.45% | 1.43% | 1.52% | 1.46% | 1.45% | 1.37% | 1.44% | 1.36% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.10% | 8.72% | 9.59% | 1.55% | -1.38% | -0.47% | -2.44% | 16.52% | +1,497 bps | |
| Loan Growth (YoY) | 14.33% | 8.69% | 7.44% | -4.15% | -3.38% | -1.92% | -0.27% | 14.04% | +1,819 bps | |
| Deposit Growth (YoY) | 24.35% | 11.95% | 9.43% | 3.50% | -5.81% | -2.55% | -4.73% | 19.18% | +1,568 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.15% | 0.19% | 0.16% | 0.64% | 0.56% | 0.38% | 0.18% | +2 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 1.44% | 0.75% | 0.41% | 0.30% | 0.00% | 1.05% | +30 bps | |
| Allowance / Loans | 0.98% | 1.00% | 1.04% | 1.06% | 1.08% | 1.09% | 1.10% | 0.88% | -17 bps | |
| Allowance Coverage of NPLs | 4.5x | 6.7x | 5.5x | 6.8x | 1.7x | 1.9x | 2.9x | 5.0x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.64% | 7.82% | 7.86% | 8.25% | 8.78% | 8.88% | 9.24% | 7.37% | -88 bps | |
| Total Risk-Based Capital | 11.02% | 11.36% | 11.46% | 12.11% | 12.22% | 12.58% | 12.90% | 11.82% | -29 bps | |
| Equity / Assets | 7.47% | 7.92% | 8.07% | 8.72% | 9.04% | 9.25% | 9.77% | 7.64% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.36% | 89.44% | 86.74% | 85.03% | 88.59% | 90.01% | 90.80% | 81.37% | -366 bps | |
| Liquid Assets / Assets | 9.00% | 8.08% | 11.63% | 12.20% | 10.55% | 9.74% | 8.87% | 13.30% | +111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |