Pensacola, FL · Charter 1313
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.16% | 0.10% | -0.07% | -0.16% | -0.08% | -0.13% | -0.14% | -7 bps | |
| Return on Equity | 1.02% | 0.99% | 0.59% | -0.46% | -0.99% | -0.45% | -0.76% | -0.85% | -39 bps | |
| Net Interest Margin | 2.31% | 2.28% | 2.26% | 2.09% | 2.09% | 2.19% | 2.18% | 2.00% | -9 bps | |
| Efficiency Ratio | 93.92% | 94.33% | 94.07% | 102.59% | 100.36% | 98.84% | 97.20% | 103.06% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 4.37% | 5.84% | 4.89% | 3.73% | -2.11% | -2.48% | -2.75% | -764 bps | |
| Loan Growth (YoY) | -11.95% | -11.40% | -11.56% | -13.60% | -12.41% | -14.88% | -15.42% | -14.82% | -122 bps | |
| Share Growth (YoY) | 1.06% | 5.65% | 6.72% | 5.95% | 5.09% | -1.51% | -2.85% | -1.04% | -699 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.63% | 2.17% | 0.23% | 1.04% | 1.62% | 1.27% | 0.87% | +64 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% | 0.60% | 0.66% | 0.25% | 0.50% | 0.55% | 0.73% | 0.58% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.75% | 16.53% | 16.50% | 16.05% | 16.08% | 16.81% | 16.79% | 16.37% | +31 bps | |
| Net Worth / Assets | 16.75% | 16.53% | 16.50% | 16.05% | 16.08% | 16.81% | 16.79% | 16.37% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.13% | 42.81% | 41.25% | 36.94% | 36.78% | 37.00% | 35.91% | 31.79% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |