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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.78% | 0.76% | 0.69% | 0.81% | 0.84% | 0.93% | 0.89% | +20 bps | |
| Return on Equity | 7.65% | 7.94% | 8.00% | 8.08% | 9.46% | 9.80% | 10.82% | 10.13% | +205 bps | |
| Net Interest Margin | 3.46% | 3.36% | 3.04% | 3.17% | 3.22% | 3.25% | 3.23% | 3.33% | +15 bps | |
| Efficiency Ratio | 75.56% | 73.54% | 72.52% | 67.12% | 66.45% | 65.34% | 62.45% | 62.59% | -453 bps | |
| Non-Interest Burden | 2.54% | 2.39% | 2.13% | 2.06% | 2.06% | 2.03% | 1.90% | 2.05% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.29% | 22.46% | 30.97% | 24.87% | 26.23% | 17.85% | 6.16% | 1.74% | -2,314 bps | |
| Loan Growth (YoY) | 15.89% | 14.22% | 17.36% | 19.88% | 22.63% | 18.43% | 11.11% | 10.15% | -972 bps | |
| Deposit Growth (YoY) | 23.78% | 32.46% | 46.62% | 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% | 0.00% | 0.00% | 0.00% | 0.29% | +29 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.39% | 0.26% | 0.18% | 0.24% | 0.09% | 0.11% | 0.00% | -19 bps | |
| Allowance / Loans | 1.63% | 1.28% | 1.18% | 1.18% | 1.15% | 1.20% | 1.10% | 1.10% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.8x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.41% | 9.33% | 8.53% | 8.40% | 8.42% | 8.61% | 8.79% | 8.97% | +58 bps | |
| Total Risk-Based Capital | 13.02% | 13.03% | 12.31% | 12.35% | 12.15% | 12.40% | 12.35% | 12.59% | +24 bps | |
| Equity / Assets | 9.80% | 9.32% | 8.59% | 8.56% | 8.62% | 8.66% | 8.66% | 9.01% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.42% | 82.85% | 81.18% | 79.50% | 81.26% | 84.05% | 87.10% | 88.96% | +946 bps | |
| Liquid Assets / Assets | 5.39% | 9.83% | 5.01% | 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 | n/a | n/a | n/a |