Saint Augustine, FL · Cert 34413
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Saint Augustine, FL · Cert 34413
FDIC
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | -0.22% | 0.71% | 0.37% | 0.30% | 0.11%1 | 0.12% | 0.11% | -26 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.39% | 1.23% | n/a | |
| Net Interest Margin | n/a | n/a | 2.94% | 3.11% | 3.27% | 3.36% | 3.21% | 3.31% | +19 bps | |
| Efficiency Ratio | n/a | n/a | 89.14% | 84.94% | 84.12% | 85.28% | 87.11% | 88.54% | +360 bps | |
| Non-Interest Burden | n/a | n/a | 2.59% | 2.59% | 2.69% | 2.81% | 2.74% | 2.88% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | 2.93% | 2.41% | -1.92% | -12.45% | -9.98% | -9.71% | -7.84% | -591 bps | |
| Loan Growth (YoY) | -3.86% | -1.22% | 1.69% | -0.19% | -0.55% | -2.87% | -4.76% | -6.67% | -648 bps | |
| Deposit Growth (YoY) | 7.17% | 4.26% | 3.52% | -1.60% | -12.21% | -10.38% | -8.89% | -6.50% | -490 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 | n/a | n/a | 2.88% | 2.03% | 1.56% | 1.62% | -0.01% | 0.26% | -177 bps | |
| Allowance / Loans | n/a | n/a | 1.96% | 1.98% | 2.02% | 2.00% | 2.14% | 2.17% | +20 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 | n/a | n/a | 10.90% | 11.31% | 12.14% | 12.21% | 12.78% | 13.10% | +179 bps | |
| Equity / Assets | n/a | n/a | 7.26% | 7.62% | 8.43% | 8.50% | 8.62% | 8.71% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.88% | 85.22% | 85.84% | 88.77% | 93.89% | 92.36% | 89.73% | 88.60% | -17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 8.14% | 7.26% | 4.69% | 5.35% | 6.81% | 7.33% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |