Eustis, FL · Cert 58874
FDIC · 7 branches
Q3 2018
Market Position · Orlando-Kissimmee-Sanford, FL · 2018 SOD (annual) · 0.9% share · #17 of 45 inst. · $0.5B of $51.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | 0.57% | 0.76% | 0.87% | 0.68% | 1.25% | 1.33% | 1.48% | +61 bps | |
| Return on Equity | -1.32% | 5.06% | 6.51% | 7.77% | 6.22% | 11.81% | 13.03% | 14.62% | +685 bps | |
| Net Interest Margin | 3.37% | 3.60% | 3.58% | 3.78% | 3.85% | 3.85% | 3.73% | 3.70% | -8 bps | |
| Efficiency Ratio | 89.26% | 74.37% | 65.31% | 62.53% | 64.43% | 55.25% | 53.99% | 51.08% | -1,145 bps | |
| Non-Interest Burden | 2.97% | 2.56% | 2.16% | 2.18% | 2.26% | 1.90% | 1.74% | 1.62% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.87% | 40.47% | 57.13% | 32.84% | 29.32% | 26.53% | 21.47% | 22.36% | -1,048 bps | |
| Loan Growth (YoY) | 40.84% | 42.87% | 43.85% | 46.71% | 28.49% | 30.40% | 30.45% | 20.47% | -2,624 bps | |
| Deposit Growth (YoY) | 46.23% | 39.62% | 59.75% | 31.59% | 28.55% | 30.08% | 16.38% | 16.09% | -1,550 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.13% | 0.13% | 0.11% | 0.06% | 0.02% | 0.00% | 0.00% | -11 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.09% | 0.00% | 0.09% | 0.05% | 0.04% | 0.01% | 0.01% | -9 bps | |
| Allowance / Loans | 1.13% | 1.10% | 1.09% | 1.03% | 1.02% | 1.00% | 1.00% | 1.01% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 8.3x | 8.1x | 9.0x | 17.9x | 41.5x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.69% | 12.79% | 11.81% | 11.54% | 11.32% | 11.06% | 10.52% | 10.66% | -87 bps | |
| Total Risk-Based Capital | 11.98% | 14.65% | 13.20% | 12.71% | 12.40% | 12.26% | 12.10% | 12.66% | -4 bps | |
| Equity / Assets | 10.11% | 12.28% | 11.10% | 11.30% | 10.65% | 10.48% | 9.99% | 10.26% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.43% | 99.49% | 88.91% | 97.96% | 94.39% | 99.74% | 99.66% | 101.66% | +369 bps | |
| Liquid Assets / Assets | 0.75% | 0.04% | 2.26% | 1.45% | 1.84% | 1.81% | 3.16% | 2.53% | +108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |