Palatka, FL · Cert 27405
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.34% | -3.56% | -2.59% | -0.16% | 0.49% | -2.75% | -5.96% | -7.66% | -750 bps | |
| Return on Equity | -106.68% | -85.97% | -63.87% | -4.50% | 13.16% | -71.65% | -202% | -695% | -69,021 bps | |
| Net Interest Margin | 2.70% | 2.68% | 3.01% | 3.23% | 3.49% | 3.49% | 2.66% | 2.90% | -33 bps | |
| Efficiency Ratio | 112.58% | 182.05% | 400% | 104.09% | 87.44% | 455% | 217% | 315% | +21,055 bps | |
| Non-Interest Burden | 3.08% | 4.56% | 6.60% | 3.37% | 3.00% | 6.60% | 4.64% | 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 | 2.41% | 3.78% | 2.21% | 7.13% | 0.50% | 3.29% | 0.55% | 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 |