Williston, FL · Cert 134
FDIC
Q4 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | -0.69% | -0.28% | -0.58% | -2.55% | -1.22% | -1.00% | -1.54% | -96 bps | |
| Return on Equity | 2.19% | -8.07% | -3.32% | -6.84% | -33.06% | -15.49% | -12.44% | -19.29% | -1,245 bps | |
| Net Interest Margin | 4.38% | 4.22% | 4.17% | 4.03% | 3.82% | 3.87% | 3.98% | 3.90% | -13 bps | |
| Efficiency Ratio | 90.81% | 87.89% | 89.79% | 90.28% | 124.58% | 103.70% | 101.00% | 121.45% | +3,117 bps | |
| Non-Interest Burden | 3.87% | 3.56% | 3.62% | 3.52% | 4.74% | 4.03% | 4.03% | 4.81% | +130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.35% | 1.34% | 2.53% | 2.94% | 1.47% | -5.10% | -9.15% | -7.99% | -1,092 bps | |
| Loan Growth (YoY) | -4.90% | -11.80% | -10.27% | -13.58% | -17.59% | -11.16% | -14.11% | -14.09% | -50 bps | |
| Deposit Growth (YoY) | -3.39% | 2.32% | 3.50% | 3.87% | 3.11% | -1.46% | -6.07% | -4.34% | -821 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.85% | 2.73% | 2.00% | 2.57% | 3.59% | 2.46% | 2.32% | 2.11% | -47 bps | |
| Allowance / Loans | 2.49% | 2.50% | 2.51% | 2.46% | 2.52% | 2.59% | 2.54% | 2.58% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.19% | 13.13% | 13.33% | 13.14% | 12.87% | 13.63% | 13.88% | 14.72% | +158 bps | |
| Equity / Assets | 8.76% | 8.33% | 8.50% | 7.95% | 7.46% | 8.25% | 8.71% | 7.50% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.12% | 68.63% | 68.21% | 64.16% | 60.84% | 61.88% | 62.37% | 57.62% | -654 bps | |
| Liquid Assets / Assets | 1.84% | 1.20% | 1.98% | 2.14% | 4.20% | 2.47% | 3.49% | 7.95% | +581 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |