Orange Park, FL · Cert 26680
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Orange Park, FL · Cert 26680
FDIC
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | -1.16% | -0.93% | 0.09% | -0.71% | -0.99% | -1.48% | -20.29% | -2,039 bps | |
| Return on Equity | 9.03% | -31.13% | -25.79% | 2.94% | -22.96% | -33.47% | -53.41% | 4037% | +403,410 bps | |
| Net Interest Margin | 3.19% | 3.19% | 3.26% | 3.30% | 3.39% | 3.38% | 3.46% | 2.63% | -67 bps | |
| Efficiency Ratio | 74.45% | 85.69% | 91.38% | 90.95% | 99.78% | 94.22% | 96.71% | 190.86% | +9,991 bps | |
| Non-Interest Burden | 2.34% | 2.71% | 2.95% | 2.99% | 3.38% | 3.17% | 3.34% | 5.15% | +216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.54% | -7.34% | -3.70% | 0.00% | -9.48% | -7.95% | -16.34% | -22.91% | -2,291 bps | |
| Loan Growth (YoY) | -9.91% | -7.63% | -8.91% | -10.37% | -10.88% | -13.90% | -15.31% | -16.82% | -645 bps | |
| Deposit Growth (YoY) | -1.63% | -1.60% | -2.43% | 1.26% | -8.56% | -7.34% | -15.32% | -18.39% | -1,965 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 | 1.61% | 2.51% | 1.90% | 2.80% | 1.28% | 1.19% | 3.22% | 9.51% | +671 bps | |
| Allowance / Loans | 3.99% | 4.33% | 4.44% | 4.03% | 4.62% | 5.67% | 4.58% | 8.40% | +437 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 | 5.97% | 4.81% | 4.86% | 4.97% | 4.68% | 4.30% | 3.51% | -4.05% | -902 bps | |
| Equity / Assets | 3.97% | 3.07% | 3.16% | 3.15% | 2.98% | 2.47% | 1.98% | -3.15% | -630 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.79% | 78.03% | 79.62% | 74.72% | 77.76% | 72.51% | 79.64% | 76.16% | +143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |