Palatka, FL · Cert 27405
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Palatka, FL · Cert 27405
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.62% | -2.94% | -2.86% | -0.16% | 0.17% | -0.81% | -2.08% | -7.66% | -750 bps | |
| Return on Equity | -92.18% | -91.68% | -86.71% | -4.50% | 4.48% | -21.87% | -61.07% | -695% | -69,021 bps | |
| Net Interest Margin | 2.68% | 2.76% | 2.96% | 3.23% | 3.34% | 3.44% | 3.28% | 2.90% | -33 bps | |
| Efficiency Ratio | 119.83% | 137.96% | 170.70% | 104.09% | 95.15% | 133.17% | 147.18% | 315% | +21,055 bps | |
| Non-Interest Burden | 3.22% | 3.75% | 4.65% | 3.37% | 3.17% | 4.35% | 4.48% | 6.03% | +265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | -6.27% | -10.95% | -10.53% | -7.36% | -4.20% | -2.35% | -5.29% | +524 bps | |
| Loan Growth (YoY) | -10.91% | -17.94% | -15.43% | -14.39% | -12.04% | -5.91% | -7.14% | -5.32% | +907 bps | |
| Deposit Growth (YoY) | 13.90% | -2.46% | -11.22% | -11.97% | -7.55% | -3.82% | -0.79% | -3.01% | +896 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 | 2.74% | 3.23% | 2.96% | 7.13% | 3.85% | 3.68% | 2.92% | 4.65% | -248 bps | |
| Allowance / Loans | 6.17% | 6.43% | 5.58% | 4.09% | 4.00% | 3.21% | 4.91% | 5.67% | +158 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 | 6.22% | 6.82% | 6.37% | 6.38% | 6.51% | 5.68% | 3.92% | 0.36% | -602 bps | |
| Equity / Assets | 3.91% | 4.38% | 3.71% | 3.51% | 3.90% | 3.78% | 2.08% | 0.11% | -339 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.73% | 72.77% | 76.79% | 71.40% | 69.20% | 71.19% | 71.87% | 69.70% | -170 bps | |
| Liquid Assets / Assets | 9.96% | 6.77% | 5.12% | 8.95% | 8.52% | 8.34% | 11.24% | 10.36% | +142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |