Crestview, FL · Cert 58343
FDIC
Q3 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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.46% | 0.13% | -0.40% | -0.51% | -9.03% | -0.64% | -4.42% | -4.19% | -368 bps | |
| Return on Equity | -10.85% | 1.23% | -3.70% | -4.76% | -97.99% | -29.86% | -314% | -470% | -46,483 bps | |
| Net Interest Margin | 2.47% | 2.26% | 2.46% | 2.34% | 2.23% | 2.18% | 2.33% | 2.68% | +34 bps | |
| Efficiency Ratio | 100.95% | 95.87% | 96.21% | 93.47% | 107.26% | 127.37% | 130.30% | 144.26% | +5,079 bps | |
| Non-Interest Burden | 2.50% | 2.16% | 2.36% | 2.18% | 2.41% | 2.83% | 3.10% | 3.95% | +177 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 | 1.95% | -0.01% | 1.43% | 1.06% | 4.70% | 2.78% | 18.03% | 15.76% | +1,471 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 |