Destin, FL · Cert 58073
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.07% | -0.67% | -0.51% | -0.40% | -4.67% | -1.11% | -5.96% | -4.30% | -390 bps | |
| Return on Equity | -23.11% | -8.07% | -6.05% | -4.68% | -60.12% | -25.21% | -168.40% | -136.23% | -13,154 bps | |
| Net Interest Margin | 2.22% | 2.13% | 2.43% | 2.60% | 2.64% | 2.34% | 2.35% | 2.56% | -4 bps | |
| Efficiency Ratio | 104.87% | 123.09% | 105.18% | 97.84% | 117.79% | 120.93% | 132.52% | 133.21% | +3,538 bps | |
| Non-Interest Burden | 2.33% | 2.58% | 2.56% | 2.54% | 3.05% | 2.88% | 3.17% | 3.46% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.14% | -2.24% | -9.32% | -8.30% | -11.27% | -12.15% | -15.02% | -23.12% | -1,483 bps | |
| Loan Growth (YoY) | -0.66% | -8.13% | -11.33% | -13.38% | -12.60% | -16.91% | -15.78% | -21.84% | -846 bps | |
| Deposit Growth (YoY) | -3.05% | 2.25% | -8.66% | -7.76% | -7.82% | -8.67% | -8.91% | -17.77% | -1,001 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 | 3.18% | 3.34% | 2.02% | 1.58% | 2.29% | 8.63% | 4.01% | 4.73% | +315 bps | |
| Allowance / Loans | 3.68% | 3.24% | 3.48% | 3.78% | 5.15% | 3.76% | 7.74% | 7.49% | +371 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 | 10.11% | 10.33% | 10.56% | 10.75% | 7.52% | 7.31% | 3.93% | 3.84% | -691 bps | |
| Equity / Assets | 8.42% | 8.19% | 8.58% | 8.83% | 4.55% | 4.29% | 1.63% | 1.74% | -709 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.62% | 82.39% | 84.35% | 83.24% | 83.08% | 74.95% | 77.99% | 79.11% | -413 bps | |
| Liquid Assets / Assets | 11.12% | 14.00% | 12.81% | 13.91% | 12.69% | 17.06% | 15.68% | 9.57% | -434 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |