Punta Gorda, FL · Cert 58512
FDIC · 4 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Punta Gorda, FL · Cert 58512
FDIC · 4 branches
Q3 2015
Market Position · Punta Gorda, FL · 2015 SOD (annual) · 3.8% share · #10 of 19 inst. · $0.1B of $3.3B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.79% | 0.33% | 0.35% | 0.25% | 0.26% | 0.22% | 0.12% | 0.05%1 | -20 bps | |
| Return on Equity | 17.58% | 3.26% | 3.42% | 2.41% | 2.52% | 2.10% | 1.17% | 0.45% | -196 bps | |
| Net Interest Margin | 3.49% | 3.32% | 3.31% | 3.34% | 3.24% | 3.32% | 3.32% | 3.20% | -14 bps | |
| Efficiency Ratio | 87.68% | 84.63% | 85.59% | 90.12% | 89.91% | 93.15% | 93.26% | 93.22% | +310 bps | |
| Non-Interest Burden | 3.00% | 2.75% | 2.78% | 2.97% | 2.89% | 3.04% | 3.03% | 2.92% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.69% | 8.36% | 10.60% | 12.51% | 6.21% | 2.21% | 3.44% | 0.28% | -1,223 bps | |
| Loan Growth (YoY) | 2.98% | 1.89% | 8.43% | 16.75% | 12.90% | 7.41% | 6.06% | -0.45% | -1,721 bps | |
| Deposit Growth (YoY) | 0.69% | 2.73% | 8.08% | 8.00% | 2.67% | 4.28% | 3.63% | -0.75% | -875 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 | 0.19% | 0.00% | 0.02% | 0.02% | 0.65% | 0.00% | 0.01% | 0.95% | +93 bps | |
| Allowance / Loans | 2.09% | 2.09% | 1.97% | 1.86% | 1.20% | 1.26% | 1.29% | 0.78% | -108 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 | n/a | n/a | 9.53% | 9.56% | 9.28% | n/a | |
| Total Risk-Based Capital | 16.34% | 16.51% | 16.02% | 15.06% | 15.17% | 16.22% | 15.59% | 14.82% | -24 bps | |
| Equity / Assets | 10.42% | 10.12% | 10.30% | 10.07% | 10.28% | 10.40% | 10.11% | 10.27% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.90% | 78.04% | 81.92% | 85.84% | 90.06% | 80.38% | 83.84% | 86.10% | +26 bps | |
| Liquid Assets / Assets | 1.18% | 3.51% | 2.84% | 1.26% | 0.30% | 4.38% | 0.99% | 1.41% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |