Wewahitchka, FL · Cert 5668
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 | -3.35% | -3.23% | -2.99% | -5.31% | -3.46% | -2.86% | -2.61% | -3.07% | +224 bps | |
| Return on Equity | -28.43% | -25.38% | -22.82% | -40.10% | -24.65% | -19.46% | -17.00% | -19.65% | +2,045 bps | |
| Net Interest Margin | 3.09% | 3.18% | 3.28% | 3.38% | 3.38% | 3.68% | 3.79% | 3.92% | +53 bps | |
| Efficiency Ratio | 104.00% | 113.88% | 109.85% | 135.06% | 126.83% | 118.42% | 102.42% | 100.42% | -3,464 bps | |
| Non-Interest Burden | 3.45% | 3.84% | 3.84% | 4.57% | 4.38% | 4.57% | 4.19% | 4.37% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.44% | -1.73% | -4.12% | -11.70% | -10.64% | -14.44% | -17.37% | -17.64% | -594 bps | |
| Loan Growth (YoY) | -3.68% | -2.16% | -4.31% | -5.38% | -7.07% | -15.87% | -15.82% | -23.06% | -1,768 bps | |
| Deposit Growth (YoY) | 2.26% | -4.79% | -8.54% | -8.04% | -13.16% | -13.64% | -16.75% | -15.91% | -787 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 | 5.39% | 4.65% | 5.56% | 5.71% | 3.23% | 13.20% | 12.13% | 15.41% | +970 bps | |
| Allowance / Loans | 6.87% | 7.24% | 6.84% | 10.76% | 11.56% | 8.36% | 7.55% | 4.84% | -592 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 | 14.92% | 17.84% | 17.63% | 13.12% | 13.54% | 20.77% | 22.35% | 24.72% | +1,160 bps | |
| Equity / Assets | 12.01% | 14.61% | 14.37% | 13.86% | 14.24% | 16.12% | 17.46% | 17.02% | +316 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.15% | 99.79% | 100.14% | 101.15% | 105.02% | 97.21% | 101.27% | 92.56% | -859 bps | |
| Liquid Assets / Assets | 8.57% | 8.01% | 7.09% | 5.46% | 4.43% | 4.33% | 4.15% | 0.01% | -545 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |