Marianna, FL · Cert 58034
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 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.
Marianna, FL · Cert 58034
FDIC
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.85% | -1.98% | -2.26% | 0.48%1 | -0.92% | -0.76% | -1.58% | -2.49% | -297 bps | |
| Return on Equity | -43.81% | -47.09% | -55.45% | 14.77% | -30.76% | -26.74% | -62.18% | -234% | -24,909 bps | |
| Net Interest Margin | 3.23% | 3.10% | 3.13% | 2.64% | 2.57% | 2.55% | 2.53% | 2.23% | -41 bps | |
| Efficiency Ratio | 130.49% | 142.86% | 156.50% | 162.18% | 182.87% | 171.94% | 198.53% | 250% | +8,813 bps | |
| Non-Interest Burden | 4.33% | 4.56% | 5.06% | 4.36% | 4.83% | 4.54% | 5.09% | 4.70% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.63% | -9.71% | -8.34% | -10.88% | -10.87% | -8.47% | -2.48% | -6.59% | +428 bps | |
| Loan Growth (YoY) | -24.77% | -23.48% | -21.79% | -16.95% | -13.64% | -16.83% | -17.39% | -24.32% | -736 bps | |
| Deposit Growth (YoY) | -16.47% | -6.99% | -7.29% | -10.05% | -9.48% | -6.75% | -0.16% | -1.99% | +806 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 | 6.42% | 4.48% | 2.54% | 0.51% | 0.29% | 0.23% | 0.34% | 2.37% | +185 bps | |
| Allowance / Loans | 2.24% | 2.48% | 3.43% | 3.36% | 3.54% | 3.87% | 3.81% | 3.65% | +28 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 | 7.49% | 6.79% | 5.68% | 6.21% | 5.51% | 5.62% | 3.86% | 2.83% | -338 bps | |
| Equity / Assets | 4.06% | 4.18% | 3.51% | 2.96% | 2.48% | 2.35% | 1.35% | 0.76% | -219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.50% | 57.28% | 59.18% | 57.89% | 55.81% | 51.09% | 48.97% | 44.70% | -1,319 bps | |
| Liquid Assets / Assets | 9.49% | 9.49% | 5.84% | 12.32% | 12.07% | 24.52% | 17.26% | 18.52% | +620 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |