Crawfordville, FL · Cert 21777
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.83% | -5.34% | -6.48% | -7.17% | -0.69% | +514 bps | |
| Return on Equity | -81.08% | -85.79% | -128.06% | -188.77% | -22.42% | +5,866 bps | |
| Net Interest Margin | 2.69% | 2.16% | 2.93% | 3.12% | 3.06% | +36 bps | |
| Efficiency Ratio | 93.90% | 154.02% | 109.34% | 100.96% | 121.29% | +2,738 bps | |
| Non-Interest Burden | 2.50% | 3.65% | 3.39% | 3.15% | 3.81% | +131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.32% | -6.50% | -11.55% | -17.44% | -15.26% | -1,494 bps | |
| Loan Growth (YoY) | -3.94% | -8.14% | -9.75% | -13.73% | -18.19% | -1,425 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 11.08% | 7.79% | 2.51% | 6.77% | 3.29% | -779 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.44% | 7.67% | 5.27% | 2.61% | 2.24% | -720 bps | |
| Equity / Assets | 6.87% | 5.57% | 4.53% | 3.02% | 3.12% | -375 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.33% | 80.15% | 79.37% | 78.24% | 75.60% | -773 bps | |
| Liquid Assets / Assets | 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 |