Tallahassee, FL · Cert 33992
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.89% | -4.05% | -3.27% | -3.13% | -1.83% | -0.24% | -0.56% | -1.95% | +118 bps | |
| Return on Equity | -138.65% | -78.20% | -73.54% | -79.92% | -49.74% | -6.61% | -15.40% | -56.30% | +2,362 bps | |
| Net Interest Margin | 2.81% | 2.69% | 2.63% | 2.82% | 2.91% | 3.25% | 3.25% | 3.28% | +46 bps | |
| Efficiency Ratio | 132.92% | 107.03% | 110.78% | 125.15% | 130.07% | 106.17% | 106.77% | 131.33% | +618 bps | |
| Non-Interest Burden | 3.88% | 2.95% | 3.01% | 3.67% | 3.87% | 3.48% | 3.50% | 4.63% | +96 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 | 5.14% | 4.37% | 5.25% | 6.87% | 3.10% | 0.53% | 3.70% | 2.15% | -472 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 |