Tallahassee, FL · Cert 33992
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Tallahassee, FL · Cert 33992
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.74% | -4.05% | -3.66% | -3.48% | -3.12% | -0.24% | -0.40% | -0.90% | +259 bps | |
| Return on Equity | -39.40% | -78.20% | -75.78% | -76.33% | -70.79% | -6.61% | -10.96% | -25.33% | +5,100 bps | |
| Net Interest Margin | 3.21% | 2.69% | 2.72% | 2.83% | 2.90% | 3.25% | 3.29% | 3.37% | +54 bps | |
| Efficiency Ratio | 104.69% | 107.03% | 108.84% | 113.85% | 117.46% | 106.17% | 106.46% | 115.35% | +150 bps | |
| Non-Interest Burden | 3.39% | 2.95% | 3.05% | 3.33% | 3.53% | 3.48% | 3.53% | 3.98% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.35% | -18.72% | -19.30% | -16.68% | -17.00% | -14.13% | -15.56% | -17.12% | -44 bps | |
| Loan Growth (YoY) | -13.88% | -15.08% | -19.06% | -22.75% | -21.37% | -19.31% | -20.22% | -16.84% | +591 bps | |
| Deposit Growth (YoY) | -15.81% | -17.63% | -15.13% | -13.42% | -11.47% | -9.04% | -12.21% | -13.92% | -50 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 | 2.69% | 4.37% | 4.94% | 5.87% | 5.33% | 0.53% | 2.13% | 2.20% | -367 bps | |
| Allowance / Loans | 3.98% | 4.54% | 4.59% | 4.20% | 3.90% | 3.92% | 3.41% | 3.26% | -93 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 | 8.79% | 8.10% | 7.37% | 6.99% | 6.47% | 6.60% | 6.71% | 6.13% | -85 bps | |
| Equity / Assets | 5.57% | 4.77% | 4.10% | 3.73% | 3.64% | 3.60% | 3.63% | 3.27% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.20% | 81.91% | 78.04% | 72.61% | 75.67% | 72.66% | 70.92% | 70.15% | -246 bps | |
| Liquid Assets / Assets | 14.06% | 16.12% | 19.08% | 22.41% | 16.14% | 18.06% | 20.18% | 20.53% | -188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |