Destin, FL · Cert 58370
FDIC · 6 branches
Q3 2019
Market Position · Crestview-Fort Walton Beach-Destin, FL · 2019 SOD (annual) · 6.6% share · #7 of 26 inst. · $0.4B of $5.7B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.37% | 1.34% | 1.36% | 1.22% | 1.29% | 1.39% | 1.45% | +10 bps | |
| Return on Equity | 8.20% | 12.10% | 12.04% | 12.27% | 10.85% | 10.86% | 11.72% | 12.08% | -19 bps | |
| Net Interest Margin | 3.29% | 3.57% | 3.52% | 3.38% | 3.44% | 3.56% | 3.49% | 3.46% | +7 bps | |
| Efficiency Ratio | 63.39% | 61.50% | 59.54% | 59.40% | 63.62% | 62.79% | 59.87% | 58.40% | -100 bps | |
| Non-Interest Burden | 1.76% | 1.84% | 1.71% | 1.62% | 1.84% | 1.93% | 1.74% | 1.66% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.93% | 7.80% | 7.48% | 11.67% | 4.98% | 3.72% | 4.88% | 0.63% | -1,104 bps | |
| Loan Growth (YoY) | 11.82% | 13.42% | 15.01% | 13.67% | 8.36% | 7.85% | 10.70% | 10.04% | -363 bps | |
| Deposit Growth (YoY) | 7.39% | 7.47% | 6.69% | 11.30% | 3.12% | -0.08% | 2.37% | -2.67% | -1,397 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.36% | 0.26% | 0.26% | 0.25% | 0.23% | 0.21% | 0.04% | -22 bps | |
| Net Charge-Offs / Loans | 0.19% | -0.02% | -0.03% | -0.21% | -0.16% | 0.14% | 0.06% | 0.08% | +29 bps | |
| Allowance / Loans | 1.46% | 1.38% | 1.40% | 1.57% | 1.57% | 1.45% | 1.36% | 1.37% | -20 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.9x | 5.4x | 6.1x | 6.3x | 6.3x | 6.4x | 36.0x | +30.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 11.94% | 11.95% | 11.70% | 12.07% | 12.55% | 12.30% | 12.32% | +62 bps | |
| Total Risk-Based Capital | 23.08% | 22.70% | 22.89% | 23.90% | 24.38% | 23.42% | 23.20% | 24.10% | +20 bps | |
| Equity / Assets | 11.56% | 11.07% | 10.77% | 10.87% | 11.83% | 11.93% | 11.74% | 12.57% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.33% | 60.59% | 60.78% | 58.55% | 63.40% | 65.40% | 65.72% | 66.19% | +764 bps | |
| Liquid Assets / Assets | 25.17% | 26.34% | 27.84% | 30.77% | 26.49% | 24.89% | 22.82% | 23.09% | -768 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |