Panama City, FL · Cert 15169
FDIC
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | 0.04% | 0.33%1 | -0.13% | -1.45% | -4.68% | 0.39% | -0.33% | -20 bps | |
| Return on Equity | -1.01% | 0.27% | 2.57% | -1.03% | -12.30% | -42.84% | 3.71% | -3.07% | -203 bps | |
| Net Interest Margin | 3.00% | 3.17% | 3.17% | 3.14% | 3.11% | 3.11% | 2.98% | 3.01% | -13 bps | |
| Efficiency Ratio | 99.95% | 92.20% | 86.07% | 90.71% | 114.81% | 94.73% | 88.14% | 95.56% | +485 bps | |
| Non-Interest Burden | 2.99% | 2.87% | 2.63% | 2.77% | 3.68% | 2.90% | 2.55% | 2.84% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.47% | -7.86% | -4.40% | -0.01% | 8.06% | 7.85% | 6.77% | -1.54% | -153 bps | |
| Loan Growth (YoY) | -8.64% | -6.53% | -4.82% | -4.44% | 0.07% | -2.54% | -3.85% | -6.98% | -254 bps | |
| Deposit Growth (YoY) | -10.78% | -7.98% | -3.90% | 0.28% | 9.85% | 11.01% | 9.51% | -0.21% | -49 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 | 2.99% | 0.08% | 0.38% | 1.70% | 0.06% | 3.33% | 7.59% | 1.31% | -39 bps | |
| Allowance / Loans | 1.73% | 1.83% | 2.02% | 1.85% | 2.06% | 3.74% | 1.92% | 1.92% | +7 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 | 23.44% | 24.30% | 24.58% | 23.79% | 22.48% | 21.19% | 21.76% | 22.22% | -156 bps | |
| Equity / Assets | 12.81% | 12.88% | 12.64% | 12.17% | 11.44% | 10.39% | 10.44% | 11.01% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.75% | 63.57% | 62.78% | 60.71% | 58.07% | 55.81% | 55.12% | 56.60% | -412 bps | |
| Liquid Assets / Assets | 28.80% | 22.81% | 25.31% | 23.43% | 29.66% | 32.59% | 33.58% | 33.71% | +1,027 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |