Orange Park, FL · Cert 26680
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -4.13% | -0.23% | 0.09% | -1.52% | -1.56% | -3.06% | -20.29% | -2,039 bps | |
| Return on Equity | -10.71% | -117.46% | -7.31% | 2.94% | -49.68% | -57.42% | -136.50% | 4037% | +403,410 bps | |
| Net Interest Margin | 3.07% | 3.22% | 3.13% | 3.30% | 3.40% | 3.24% | 2.98% | 2.63% | -67 bps | |
| Efficiency Ratio | 110.20% | 107.68% | 105.45% | 90.95% | 108.79% | 82.55% | 106.67% | 190.86% | +9,991 bps | |
| Non-Interest Burden | 3.39% | 3.48% | 3.36% | 2.99% | 3.71% | 2.64% | 3.16% | 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 | 2.04% | 4.23% | -0.08% | 2.80% | -0.30% | 0.87% | 9.18% | 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 |