Crawfordville, FL · Cert 21777
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Crawfordville, FL · Cert 21777
FDIC
Q3 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.41% | -1.70% | -3.07% | -3.61% | -6.48% | -6.84% | -4.90% | -182 bps | |
| Return on Equity | 7.32% | 4.75% | -20.77% | -38.97% | -48.45% | -128.06% | -154.89% | -118.96% | -7,999 bps | |
| Net Interest Margin | 3.44% | 3.29% | 2.98% | 2.95% | 2.87% | 2.93% | 3.10% | 3.24% | +29 bps | |
| Efficiency Ratio | 75.62% | 78.68% | 81.19% | 84.87% | 98.22% | 109.34% | 105.94% | 110.16% | +2,529 bps | |
| Non-Interest Burden | 2.44% | 2.46% | 2.28% | 2.40% | 2.81% | 3.39% | 3.36% | 3.68% | +128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.53% | 10.02% | 7.19% | -0.32% | -6.50% | -11.55% | -17.44% | -15.26% | -1,494 bps | |
| Loan Growth (YoY) | -1.07% | -0.96% | -0.73% | -3.94% | -8.14% | -9.75% | -13.73% | -18.19% | -1,425 bps | |
| Deposit Growth (YoY) | 7.33% | 10.30% | 8.66% | 3.44% | -2.83% | -6.91% | -11.80% | -9.82% | -1,326 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 | 0.72% | 0.42% | 2.40% | 5.35% | 6.12% | 2.51% | 4.71% | 4.51% | -83 bps | |
| Allowance / Loans | 1.04% | 1.06% | 2.50% | 3.37% | 3.99% | 6.12% | 7.38% | 7.21% | +384 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 | 11.83% | 12.01% | 11.25% | 9.44% | 7.67% | 5.27% | 2.61% | 2.24% | -720 bps | |
| Equity / Assets | 8.60% | 8.54% | 7.49% | 6.87% | 5.57% | 4.53% | 3.02% | 3.12% | -375 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.79% | 81.87% | 79.99% | 83.33% | 80.15% | 79.37% | 78.24% | 75.60% | -773 bps | |
| Liquid Assets / Assets | 1.62% | 0.88% | 0.81% | 0.21% | 0.06% | 0.08% | 0.96% | 0.04% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |