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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.55% | 0.58% | 0.61% | 0.72% | 0.70% | 0.67% | 0.68% | +7 bps | |
| Return on Equity | 7.55% | 6.05% | 6.17% | 6.52% | 7.63% | 7.39% | 7.10% | 7.33% | +81 bps | |
| Net Interest Margin | 3.50% | 3.47% | 3.57% | 3.56% | 3.47% | 3.50% | 3.45% | 3.40% | -16 bps | |
| Efficiency Ratio | 67.08% | 74.78% | 72.90% | 69.07% | 64.06% | 70.42% | 67.20% | 66.31% | -276 bps | |
| Non-Interest Burden | 2.28% | 2.54% | 2.55% | 2.40% | 2.15% | 2.40% | 2.25% | 2.17% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.51% | 17.49% | 25.65% | 20.34% | 13.04% | 11.29% | 10.15% | 9.93% | -1,042 bps | |
| Loan Growth (YoY) | 24.25% | 27.13% | 31.76% | 23.00% | 21.89% | 14.06% | 11.14% | 17.37% | -563 bps | |
| Deposit Growth (YoY) | 32.42% | 16.98% | 26.97% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.25% | 0.09% | 0.02% | 0.01% | 0.00% | 0.00% | -9 bps | |
| Allowance / Loans | 0.99% | 0.94% | 0.87% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 9.71% | 9.51% | 9.42% | n/a | |
| Total Risk-Based Capital | 12.67% | 12.00% | 11.49% | 11.95% | 12.04% | 12.83% | 12.20% | 11.83% | -12 bps | |
| Equity / Assets | 8.89% | 9.40% | 9.26% | 9.36% | 9.38% | 9.68% | 9.19% | 9.28% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.38% | 85.56% | 84.44% | 83.83% | 81.77% | 86.40% | 85.21% | 89.46% | +563 bps | |
| Liquid Assets / Assets | 9.59% | 0.00% | 2.77% | 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 | n/a | n/a | n/a |