Ocala, FL · Cert 58506
FDIC · 3 branches
Q1 2017
Market Position · Ocala, FL · 2016 SOD (annual) · 2.5% share · #8 of 21 inst. · $0.1B of $5.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.93% | 0.90% | 1.19% | 0.89% | +20 bps | |
| Return on Equity | 8.08% | 10.78% | 10.46% | 13.76% | 10.13% | +205 bps | |
| Net Interest Margin | 3.17% | 3.28% | 3.33% | 3.33% | 3.33% | +15 bps | |
| Efficiency Ratio | 67.12% | 65.82% | 63.22% | 54.57% | 62.59% | -453 bps | |
| Non-Interest Burden | 2.06% | 2.07% | 2.00% | 1.60% | 2.05% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 24.87% | 26.23% | 17.85% | 6.16% | 1.74% | -2,314 bps | |
| Loan Growth (YoY) | 19.88% | 22.63% | 18.43% | 11.11% | 10.15% | -972 bps | |
| Deposit Growth (YoY) | 30.44% | 30.43% | 16.74% | 3.56% | -1.56% | -3,200 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.29% | +29 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.30% | -0.20% | 0.16% | 0.00% | -19 bps | |
| Allowance / Loans | 1.18% | 1.15% | 1.20% | 1.10% | 1.10% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3.8x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.40% | 8.42% | 8.61% | 8.79% | 8.97% | +58 bps | |
| Total Risk-Based Capital | 12.35% | 12.15% | 12.40% | 12.35% | 12.59% | +24 bps | |
| Equity / Assets | 8.56% | 8.62% | 8.66% | 8.66% | 9.01% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.50% | 81.26% | 84.05% | 87.10% | 88.96% | +946 bps | |
| Liquid Assets / Assets | 4.51% | 4.42% | 5.09% | 5.20% | 4.40% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |