Jacksonville, FL · Charter 66736
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Jacksonville, FL · Charter 66736
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.12% | -0.14% | -0.05% | -0.02% | -0.06% | 0.00% | -0.21% | -15 bps | |
| Return on Equity | -0.43% | -0.59% | -0.72% | -0.27% | -0.10% | -0.30% | 0.02% | -1.05% | -79 bps | |
| Net Interest Margin | 1.51% | 1.50% | 1.47% | 1.49% | 1.53% | 1.56% | 1.66% | 1.70% | +21 bps | |
| Efficiency Ratio | 96.99% | 100.22% | 103.92% | 105.01% | 102.09% | 102.22% | 95.02% | 104.34% | -67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.91% | 1.58% | 0.43% | -1.24% | -1.21% | -1.55% | -1.36% | 0.01% | +126 bps | |
| Loan Growth (YoY) | -19.24% | -13.91% | -9.24% | -4.64% | -2.63% | -2.69% | 0.19% | 2.69% | +733 bps | |
| Share Growth (YoY) | 1.60% | 1.97% | 0.53% | -0.50% | -0.52% | -0.88% | -0.77% | -0.32% | +19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.54% | 0.29% | 0.29% | 0.33% | 0.34% | 0.19% | 0.15% | -14 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 | 0.59% | 0.55% | 0.56% | 0.36% | 0.34% | 0.35% | 0.37% | 0.40% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.82% | 19.86% | 19.59% | 19.76% | 19.99% | 20.11% | 19.84% | 19.62% | -14 bps | |
| Net Worth / Assets | 19.82% | 19.86% | 19.59% | 19.76% | 19.99% | 20.11% | 19.84% | 19.62% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.42% | 31.24% | 30.43% | 30.50% | 30.75% | 30.67% | 30.73% | 31.42% | +92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |