Ormond Beach, FL · Cert 34439
FDIC
Q4 2011
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.84% | -0.94% | -5.26% | -1.04% | -10.09% | -925 bps | |
| Return on Equity | -9.37% | -10.40% | -60.26% | -12.81% | -147.93% | -13,856 bps | |
| Net Interest Margin | 4.19% | 4.11% | 4.36% | 4.36% | 3.79% | -40 bps | |
| Efficiency Ratio | 67.85% | 81.74% | 100.36% | 83.69% | 85.93% | +1,808 bps | |
| Non-Interest Burden | 2.82% | 3.32% | 4.38% | 3.61% | 3.24% | +42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.26% | -14.59% | -9.86% | -10.05% | -9.39% | -413 bps | |
| Loan Growth (YoY) | -6.19% | -9.00% | -12.44% | -16.36% | -23.42% | -1,723 bps | |
| Deposit Growth (YoY) | -5.78% | -15.62% | -9.10% | -9.07% | -9.26% | -348 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.32% | 5.55% | 11.26% | 1.25% | 13.73% | +1,241 bps | |
| Allowance / Loans | 3.25% | 2.73% | 2.80% | 3.45% | 3.09% | -16 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.58% | 11.08% | 9.02% | 8.83% | 7.45% | -413 bps | |
| Equity / Assets | 8.80% | 9.32% | 8.14% | 8.07% | 5.56% | -324 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.06% | 89.70% | 83.25% | 81.00% | 72.63% | -1,343 bps | |
| Liquid Assets / Assets | 8.01% | 2.31% | 7.44% | 10.81% | 26.00% | +1,800 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |