Ocala, FL · Cert 58344
FDIC · 3 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Ocala, FL · Cert 58344
FDIC · 3 branches
Q1 2016
Market Position · Ocala, FL · 2015 SOD (annual) · 1.5% share · #13 of 20 inst. · $0.1B of $5.4B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.13% | 0.09% | -0.30% | -0.02% | -0.01% | 0.02%1 | 0.06% | +36 bps | |
| Return on Equity | 0.94% | 0.94% | 0.65% | -2.46% | -0.21% | -0.07% | 0.16% | 0.52% | +298 bps | |
| Net Interest Margin | 3.68% | 3.78% | 3.56% | 3.76% | 3.67% | 3.67% | 3.47% | 3.65% | -11 bps | |
| Efficiency Ratio | 94.46% | 94.54% | 96.02% | 111.00% | 103.65% | 102.92% | 108.46% | 96.16% | -1,484 bps | |
| Non-Interest Burden | 3.42% | 3.53% | 3.39% | 4.14% | 3.78% | 3.75% | 3.75% | 3.45% | -69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | -1.12% | 9.68% | 21.82% | 23.15% | 27.83% | 11.05% | -1.33% | -2,315 bps | |
| Loan Growth (YoY) | 10.70% | 11.14% | 12.66% | 14.86% | 14.96% | 4.10% | -0.24% | 1.00% | -1,386 bps | |
| Deposit Growth (YoY) | -3.81% | -2.45% | 11.40% | 28.02% | 29.32% | 32.33% | 10.97% | -1.85% | -2,987 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 | 0.11% | 0.07% | 0.05% | -0.01% | -0.01% | -0.01% | 0.39% | -0.01% | 0 bps | |
| Allowance / Loans | 2.09% | 2.01% | 1.93% | 1.90% | 1.83% | 1.95% | 1.11% | 1.09% | -81 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 | 10.57% | 10.45% | 10.38% | 9.93% | 10.48% | -9 bps | |
| Total Risk-Based Capital | 15.86% | 15.22% | 14.57% | 13.71% | 13.98% | 14.52% | 14.16% | 13.45% | -26 bps | |
| Equity / Assets | 13.73% | 13.45% | 12.77% | 11.39% | 11.14% | 10.51% | 11.44% | 11.65% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.29% | 92.89% | 89.93% | 80.18% | 82.04% | 73.07% | 80.85% | 82.52% | +233 bps | |
| Liquid Assets / Assets | 4.44% | 0.63% | 1.74% | 5.69% | 3.90% | 12.17% | 4.66% | 2.25% | -344 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |