Tampa, FL · Charter 60610
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 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.
Tampa, FL · Charter 60610
Q2 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.85% | -1.87% | -1.90% | -1.82% | -1.89% | -1.93% | -2.04% | -2.03% | -21 bps | |
| Return on Equity | -5.22% | -5.22% | -5.39% | -5.12% | -5.31% | -5.49% | -5.73% | -5.73% | -62 bps | |
| Net Interest Margin | 1.64% | 1.73% | 1.88% | 1.86% | 1.84% | 1.83% | 1.85% | 1.86% | 0 bps | |
| Efficiency Ratio | 208% | 204% | 200% | 196.78% | 202% | 203% | 203% | 200% | +371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.93% | -8.60% | -4.31% | -5.24% | -5.08% | -3.46% | -6.23% | -5.27% | -3 bps | |
| Loan Growth (YoY) | 23.25% | 28.81% | 15.93% | 7.25% | -9.36% | -4.51% | 8.35% | 10.70% | +344 bps | |
| Share Growth (YoY) | -4.69% | -10.54% | -3.94% | -5.50% | -5.11% | -2.45% | -6.74% | -5.15% | +36 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.45% | 4.45% | 1.60% | 3.76% | 6.06% | 3.43% | 3.19% | 3.14% | -62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.09% | 1.25% | 1.27% | 1.33% | 1.29% | 1.29% | 1.40% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.53% | 35.84% | 35.31% | 35.57% | 35.55% | 35.19% | 35.67% | 35.48% | -8 bps | |
| Net Worth / Assets | 35.53% | 35.84% | 35.31% | 35.57% | 35.55% | 35.19% | 35.67% | 35.48% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.08% | 48.90% | 45.30% | 45.36% | 44.01% | 47.87% | 52.63% | 52.94% | +758 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |