Bonifay, FL · Cert 14246
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -1.21% | -1.54% | -2.60% | -2.83% | -2.95% | -3.11% | -7.16% | -456 bps | |
| Return on Equity | -20.86% | -22.11% | -27.81% | -46.88% | -55.60% | -62.75% | -73.67% | -465% | -41,821 bps | |
| Net Interest Margin | 3.27% | 3.17% | 2.82% | 1.29% | 1.24% | 1.51% | 1.54% | 1.88% | +59 bps | |
| Efficiency Ratio | 88.38% | 91.69% | 103.85% | 183.18% | 258% | 205% | 223% | 154.82% | -2,837 bps | |
| Non-Interest Burden | 2.83% | 2.89% | 2.94% | 2.65% | 3.27% | 3.17% | 3.31% | 3.01% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.76% | -1.41% | 11.84% | 1.99% | 4.24% | 11.09% | 3.62% | 2.66% | +67 bps | |
| Loan Growth (YoY) | -10.64% | -15.59% | -17.12% | -11.97% | 0.26% | 3.51% | -0.43% | -2.60% | +937 bps | |
| Deposit Growth (YoY) | 14.20% | 4.76% | 14.82% | 3.43% | 8.96% | 15.95% | 7.82% | 8.43% | +501 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 | 2.62% | 3.29% | 2.63% | 0.15% | 0.38% | 0.71% | 1.27% | 0.76% | +61 bps | |
| Allowance / Loans | 2.28% | 1.72% | 2.05% | 2.46% | 2.50% | 2.93% | 2.98% | 5.20% | +274 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 | 9.28% | 10.59% | 9.57% | 8.83% | 7.32% | 6.23% | 5.00% | 2.30% | -652 bps | |
| Equity / Assets | 5.74% | 6.97% | 5.77% | 5.31% | 4.20% | 3.58% | 2.37% | 0.67% | -464 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.18% | 86.72% | 75.16% | 77.92% | 75.62% | 77.41% | 69.41% | 69.99% | -793 bps | |
| Liquid Assets / Assets | 3.31% | 5.74% | 7.16% | 4.43% | 7.15% | 1.98% | 3.31% | 0.70% | -373 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |