PackageTrendsPeer
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Perkins State Bank, The

Williston, FL · Cert 134

FDIC

Q4 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Perkins State Bank, The

Williston, FL · Cert 134

FDIC

Q4 2012

$175.2MAssets
$93.2MLoans
$161.8MDeposits
$13.1MEquity
Loan mix
88%RE $70.4M6%C&I $5.2M6%Consumer $4.6MQ4 2011Q4 2012
Deposit mix
73%Interest-bearing $117.5M27%Noninterest $44.3MQ4 2011Q4 2012

NIM

5.58%Q4 ’104.67%Q4 ’114.28%Q4 ’12-10%-3%

Non-interest income vs. expense

4.68%Q4 ’104.78%Q4 ’115.15%Q4 ’12+5%+37%

Executive Summary

  • Earnings: ROA of -1.54%, down 96 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.11%.
  • Funding: loans stand at 57.62% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.54%-96 bps YoY

Net Interest Margin (YTD, annualized)

3.90%-13 bps YoY

Efficiency Ratio (YTD, annualized)

121.45%+3,117 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.58%-2.55%-1.22%-1.00%-1.54%-96 bps
Return on Equity-6.84%-33.06%-15.49%-12.44%-19.29%-1,245 bps
Net Interest Margin4.03%3.82%3.87%3.98%3.90%-13 bps
Efficiency Ratio90.28%124.58%103.70%101.00%121.45%+3,117 bps
Non-Interest Burden3.52%4.74%4.03%4.03%4.81%+130 bps
Growth
Asset Growth (YoY)2.94%1.47%-5.10%-9.15%-7.99%-1,092 bps
Loan Growth (YoY)-13.58%-17.59%-11.16%-14.11%-14.09%-50 bps
Deposit Growth (YoY)3.87%3.11%-1.46%-6.07%-4.34%-821 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.57%3.59%2.46%2.32%2.11%-47 bps
Allowance / Loans2.46%2.52%2.59%2.54%2.58%+11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.14%12.87%13.63%13.88%14.72%+158 bps
Equity / Assets7.95%7.46%8.25%8.71%7.50%-45 bps
Liquidity & Funding
Loans / Deposits64.16%60.84%61.88%62.37%57.62%-654 bps
Liquid Assets / Assets2.14%4.20%2.47%3.49%7.95%+581 bps
CRE / Total Capitaln/an/an/an/an/an/an/a