Pensacola, FL · Charter 9833
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.35% | -0.81% | -0.50% | -0.67% | -0.47% | -0.07% | -11.22% | -1,071 bps | |
| Return on Equity | 0.94% | 2.66% | -6.81% | -4.29% | -5.66% | -3.77% | -0.56% | -169.67% | -16,539 bps | |
| Net Interest Margin | 3.65% | 3.61% | 2.97% | 2.94% | 2.99% | 3.03% | 2.62% | 2.48% | -47 bps | |
| Efficiency Ratio | 98.25% | 91.28% | 111.25% | 107.10% | 109.80% | 107.47% | 101.09% | 244% | +13,662 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.65% | 7.53% | 9.67% | 10.97% | 3.45% | -1.44% | -3.30% | -5.62% | -1,659 bps | |
| Loan Growth (YoY) | -4.02% | -1.52% | -12.74% | -11.70% | -11.74% | -22.25% | -19.14% | -28.92% | -1,722 bps | |
| Share Growth (YoY) | 1.85% | 9.19% | 12.78% | 14.09% | 4.88% | -0.37% | -3.22% | -1.42% | -1,550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 1.36% | 0.33% | 0.29% | 0.82% | 0.81% | 1.17% | 0.57% | +28 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 | 0.97% | 0.94% | 0.58% | 0.57% | 0.60% | 0.37% | 0.41% | 5.23% | +466 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.97% | 13.05% | 11.93% | 11.71% | 11.80% | 12.37% | 11.97% | 6.61% | -510 bps | |
| Net Worth / Assets | 12.97% | 13.05% | 11.93% | 11.71% | 11.80% | 12.37% | 11.97% | 6.61% | -510 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.91% | 45.99% | 38.05% | 38.19% | 37.79% | 35.89% | 31.79% | 27.54% | -1,066 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |