Tallahassee, FL · Cert 58546
FDIC · 2 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 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.
Tallahassee, FL · Cert 58546
FDIC · 2 branches
Q1 2015
Market Position · Tallahassee, FL · 2014 SOD (annual) · 0.8% share · #16 of 17 inst. · $0.0B of $5.6B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.09% | -2.55% | -2.31% | -1.11% | -0.74% | -0.66% | -0.57% | -0.95% | +16 bps | |
| Return on Equity | -31.71% | -41.47% | -39.58% | -24.35% | -15.47% | -13.31% | -11.15% | -15.85% | +849 bps | |
| Net Interest Margin | 3.59% | 3.54% | 3.62% | 3.51% | 3.68% | 3.66% | 3.78% | 3.31% | -19 bps | |
| Efficiency Ratio | 141.33% | 170.83% | 162.00% | 128.74% | 118.22% | 116.59% | 115.78% | 128.09% | -65 bps | |
| Non-Interest Burden | 5.10% | 5.73% | 5.72% | 4.60% | 4.44% | 4.34% | 4.45% | 4.33% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.25% | -5.81% | -16.25% | -20.97% | -23.30% | -22.16% | -16.08% | -13.18% | +779 bps | |
| Loan Growth (YoY) | -16.16% | -19.63% | -22.95% | -26.34% | -20.59% | -10.49% | -18.99% | -16.54% | +980 bps | |
| Deposit Growth (YoY) | -2.67% | -2.24% | -14.47% | -20.00% | -24.12% | -24.20% | -18.40% | -15.39% | +461 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 | 4.56% | 3.71% | 4.05% | 1.06% | 1.17% | 0.51% | 0.43% | -0.40% | -147 bps | |
| Allowance / Loans | 3.77% | 3.75% | 2.77% | 2.70% | 2.51% | 2.58% | 2.99% | 3.21% | +51 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 | n/a | n/a | 6.25% | n/a | n/a |
| Total Risk-Based Capital | 11.74% | 11.01% | 10.69% | 10.99% | 11.13% | 10.79% | 13.29% | 12.95% | +196 bps | |
| Equity / Assets | 5.61% | 4.75% | 4.44% | 4.70% | 5.26% | 5.44% | 5.88% | 6.06% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.23% | 63.28% | 68.62% | 68.54% | 68.27% | 74.72% | 68.12% | 67.61% | -93 bps | |
| Liquid Assets / Assets | 15.96% | 18.95% | 11.47% | 11.45% | 10.06% | 6.20% | 2.07% | 0.24% | -1,120 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |