Ormond Beach, FL · Cert 34439
FDIC
Q4 2011
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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.78% | 0.61% | 0.26% | -0.94% | -3.04% | -2.38% | -4.26% | -452 bps | |
| Return on Equity | 3.82% | 9.18% | 7.07% | 2.97% | -10.40% | -34.72% | -27.76% | -53.24% | -5,621 bps | |
| Net Interest Margin | 3.99% | 4.08% | 4.31% | 4.23% | 4.11% | 4.32% | 4.35% | 4.24% | +1 bps | |
| Efficiency Ratio | 59.26% | 60.32% | 61.14% | 62.76% | 81.74% | 90.58% | 88.17% | 87.66% | +2,490 bps | |
| Non-Interest Burden | 2.30% | 2.39% | 2.55% | 2.59% | 3.32% | 3.92% | 3.83% | 3.71% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.00% | -7.60% | -13.82% | -5.26% | -14.59% | -9.86% | -10.05% | -9.39% | -413 bps | |
| Loan Growth (YoY) | -4.35% | -6.59% | -2.49% | -6.19% | -9.00% | -12.44% | -16.36% | -23.42% | -1,723 bps | |
| Deposit Growth (YoY) | 2.21% | -7.53% | -14.87% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.23% | 1.44% | 1.45% | 5.55% | 8.58% | 6.37% | 8.85% | +739 bps | |
| Allowance / Loans | 3.15% | 3.11% | 2.52% | 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 | 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 | 10.53% | 11.50% | 11.79% | 11.58% | 11.08% | 9.02% | 8.83% | 7.45% | -413 bps | |
| Equity / Assets | 8.19% | 8.90% | 9.13% | 8.80% | 9.32% | 8.14% | 8.07% | 5.56% | -324 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.18% | 86.42% | 88.07% | 86.06% | 89.70% | 83.25% | 81.00% | 72.63% | -1,343 bps | |
| Liquid Assets / Assets | 8.13% | 4.78% | 5.00% | 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 | n/a | n/a | n/a |