Graceville, FL · Cert 14794
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 2.69% | -1.15% | -0.85% | -0.62% | -3.00% | -1.85% | -5.24% | -439 bps | |
| Return on Equity | 61.29% | 103.36% | -42.69% | -33.72% | -25.00% | -142.62% | -120.51% | -770% | -73,587 bps | |
| Net Interest Margin | 5.25% | 3.52% | 3.84% | 3.55% | 3.23% | 3.20% | 3.37% | 3.46% | -9 bps | |
| Efficiency Ratio | 83.76% | 147.56% | 124.64% | 118.65% | 110.58% | 173.78% | 142.81% | 206% | +8,782 bps | |
| Non-Interest Burden | 4.33% | 5.54% | 5.04% | 4.41% | 3.83% | 6.17% | 5.21% | 8.76% | +435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.27% | -4.69% | -4.83% | -3.28% | -3.44% | -12.45% | -13.24% | -11.55% | -827 bps | |
| Loan Growth (YoY) | -11.49% | -16.71% | -4.96% | -18.32% | -14.59% | -2.13% | -16.83% | -14.55% | +377 bps | |
| Deposit Growth (YoY) | -13.47% | -5.22% | -5.17% | -3.62% | -2.24% | -11.71% | -12.34% | -9.31% | -569 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 | -6.95% | 0.02% | -0.51% | -0.44% | 1.67% | -3.00% | -0.44% | -0.46% | -2 bps | |
| Allowance / Loans | 4.93% | 3.65% | 3.45% | 3.84% | 3.65% | 4.33% | 4.75% | 5.11% | +127 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 | 4.25% | 5.26% | 4.68% | 4.65% | 4.52% | 3.37% | 3.07% | 0.07% | -458 bps | |
| Equity / Assets | 2.36% | 2.82% | 2.57% | 2.48% | 2.46% | 1.74% | 1.32% | 0.02% | -245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.86% | 62.31% | 69.27% | 67.27% | 67.16% | 69.06% | 65.72% | 63.38% | -389 bps | |
| Liquid Assets / Assets | 4.91% | 20.73% | 12.21% | 3.89% | 16.29% | 8.58% | 11.95% | 12.64% | +875 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |