Perry, FL · Charter 67313
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Perry, FL · Charter 67313
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | 0.48% | 0.35% | -2.56% | -0.39% | 1.08% | 1.00% | 0.83% | +339 bps | |
| Return on Equity | -5.76% | 4.31% | 3.23% | -24.77% | -3.63% | 9.93% | 8.83% | 7.19% | +3,196 bps | |
| Net Interest Margin | 5.11% | 5.13% | 5.10% | 5.41% | 5.37% | 4.31% | 4.45% | 4.44% | -97 bps | |
| Efficiency Ratio | 71.77% | 59.59% | 64.59% | 70.33% | 68.13% | 80.31% | 82.18% | 85.36% | +1,503 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.72% | -4.82% | 2.31% | -2.09% | 3.39% | 7.03% | 1.85% | 2.65% | +474 bps | |
| Loan Growth (YoY) | -10.15% | -8.78% | -8.18% | -7.97% | -17.43% | -22.37% | -24.07% | -24.27% | -1,630 bps | |
| Share Growth (YoY) | -8.77% | -3.52% | 2.50% | -2.05% | 3.74% | 7.77% | 1.60% | 1.11% | +317 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.51% | 2.24% | 3.58% | 1.89% | 0.56% | 2.04% | 1.71% | 1.83% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.13% | 3.11% | 3.08% | 3.51% | 4.29% | 4.28% | 3.99% | 4.08% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.59% | 11.06% | 10.81% | 10.32% | 10.73% | 10.85% | 11.36% | 11.55% | +123 bps | |
| Net Worth / Assets | 10.59% | 11.06% | 10.81% | 10.32% | 10.73% | 10.85% | 11.36% | 11.55% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.00% | 79.02% | 76.41% | 74.07% | 66.86% | 56.92% | 57.10% | 55.47% | -1,860 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |