Maitland, FL · Cert 58822
FDIC · 3 branches
Q1 2015
Market Position · Orlando-Kissimmee-Sanford, FL · 2014 SOD (annual) · 1.1% share · #13 of 45 inst. · $0.5B of $40.8B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.74% | 0.85% | 0.94% | -0.69% | -140 bps | |
| Return on Equity | 7.11% | 7.34% | 8.33% | 8.98% | -6.17% | -1,328 bps | |
| Net Interest Margin | 2.93% | 3.11% | 3.20% | 3.09% | 3.33% | +40 bps | |
| Efficiency Ratio | 50.50% | 47.60% | 45.04% | 43.44% | 126.83% | +7,633 bps | |
| Non-Interest Burden | 1.52% | 1.51% | 1.46% | 1.36% | 4.36% | +285 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.37% | 8.36% | 1.20% | -0.30% | 0.17% | -621 bps | |
| Loan Growth (YoY) | 22.80% | 20.42% | 15.60% | 9.28% | 6.56% | -1,625 bps | |
| Deposit Growth (YoY) | 5.19% | 7.04% | -0.57% | -1.45% | -1.15% | -634 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.13% | 0.08% | 0.05% | -0.01% | -1 bps | |
| Allowance / Loans | 0.17% | 0.29% | 0.31% | 0.32% | 0.32% | +15 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 | n/a | n/a | 10.96% | n/a | n/a |
| Total Risk-Based Capital | 13.43% | 13.97% | 13.87% | 14.25% | 15.28% | +185 bps | |
| Equity / Assets | 9.93% | 10.35% | 10.55% | 11.23% | 11.09% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.29% | 71.36% | 73.47% | 78.00% | 74.69% | +540 bps | |
| Liquid Assets / Assets | 26.34% | 26.31% | 24.44% | 23.41% | 28.15% | +181 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |