Tavares, FL · Cert 58815
FDIC · 4 branches
Q3 2015
Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2015 SOD (annual) · 1.4% share · #15 of 27 inst. · $0.1B of $9.9B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.61% | 0.70% | 0.68% | 0.68% | +10 bps | |
| Return on Equity | 6.26% | 6.63% | 7.39% | 7.26% | 7.26% | +101 bps | |
| Net Interest Margin | 3.38% | 3.28% | 3.50% | 3.41% | 3.34% | -4 bps | |
| Efficiency Ratio | 72.15% | 70.01% | 70.42% | 68.79% | 67.94% | -421 bps | |
| Non-Interest Burden | 2.39% | 2.24% | 2.40% | 2.29% | 2.20% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.34% | 13.04% | 11.29% | 10.15% | 9.93% | -1,042 bps | |
| Loan Growth (YoY) | 23.00% | 21.89% | 14.06% | 11.14% | 17.37% | -563 bps | |
| Deposit Growth (YoY) | 20.52% | 12.37% | 12.96% | 10.15% | 9.97% | -1,054 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.09% | 0.01% | 0.01% | 0.00% | -11 bps | |
| Allowance / Loans | 0.93% | 1.01% | 1.01% | 1.02% | 1.00% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 9.71% | 9.51% | 9.42% | n/a | |
| Total Risk-Based Capital | 11.95% | 12.04% | 12.83% | 12.20% | 11.83% | -12 bps | |
| Equity / Assets | 9.36% | 9.38% | 9.68% | 9.19% | 9.28% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.83% | 81.77% | 86.40% | 85.21% | 89.46% | +563 bps | |
| Liquid Assets / Assets | 4.64% | 5.65% | 6.87% | 5.67% | 3.24% | -141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |