Crestview, FL · Cert 58343
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.71% | 0.13% | -0.92% | -0.73% | -35.87% | -0.64% | -8.19% | -3.61% | -288 bps | |
| Return on Equity | -31.45% | 1.23% | -8.59% | -6.89% | -536% | -29.86% | -825% | 794% | +80,094 bps | |
| Net Interest Margin | 2.76% | 2.26% | 2.65% | 2.10% | 1.82% | 2.18% | 2.48% | 2.93% | +83 bps | |
| Efficiency Ratio | 130.88% | 95.87% | 96.53% | 87.58% | 152.22% | 127.37% | 132.89% | 170.26% | +8,268 bps | |
| Non-Interest Burden | 3.64% | 2.16% | 2.56% | 1.81% | 3.04% | 2.83% | 3.37% | 5.04% | +323 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.65% | 21.06% | 14.73% | 9.03% | -10.52% | -10.40% | -15.64% | -22.92% | -3,195 bps | |
| Loan Growth (YoY) | 13.54% | 10.92% | 4.56% | 4.76% | 2.56% | -4.50% | -18.25% | -27.60% | -3,235 bps | |
| Deposit Growth (YoY) | 39.12% | 36.78% | 26.19% | 19.75% | 2.60% | 1.49% | -3.46% | -11.42% | -3,117 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 | 6.83% | -0.01% | 2.87% | 0.37% | 15.50% | 2.78% | 32.83% | 7.48% | +711 bps | |
| Allowance / Loans | 2.44% | 2.34% | 2.22% | 2.43% | 8.80% | 8.38% | 4.38% | 3.57% | +114 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 | 15.76% | 15.49% | 13.84% | 13.29% | 4.46% | 4.37% | -0.06% | -1.34% | -1,462 bps | |
| Equity / Assets | 10.96% | 10.87% | 10.58% | 10.57% | 2.24% | 2.03% | -0.09% | -0.86% | -1,143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.86% | 92.00% | 90.05% | 91.55% | 92.82% | 86.57% | 76.26% | 74.83% | -1,672 bps | |
| Liquid Assets / Assets | 2.60% | 2.68% | 2.07% | 2.62% | 4.77% | 11.01% | 16.24% | 13.31% | +1,070 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |