St Petersburg, FL · Charter 23165
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 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.
St Petersburg, FL · Charter 23165
Q2 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.04% | 1.01% | -0.28% | -5.85% | -0.39% | -1.58% | -1.64% | -136 bps | |
| Return on Equity | 7.30% | 8.07% | 7.55% | -2.33% | -54.82% | -3.41% | -13.69% | -13.81% | -1,148 bps | |
| Net Interest Margin | 3.50% | 2.87% | 3.05% | 2.51% | -0.03% | 1.89% | 2.82% | 2.84% | +33 bps | |
| Efficiency Ratio | 69.95% | 64.84% | 67.79% | 109.25% | n/a | 96.49% | 154.98% | 99.34% | -991 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.33% | 23.27% | 19.15% | 16.82% | 18.05% | 2.07% | -1.67% | -6.95% | -2,376 bps | |
| Loan Growth (YoY) | 41.55% | 66.31% | 162.24% | 85.91% | 43.45% | 59.11% | -9.54% | -25.78% | -11,169 bps | |
| Share Growth (YoY) | -2.51% | 25.75% | 21.27% | 22.72% | 23.50% | 3.57% | 0.90% | -6.94% | -2,966 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 0.00% | 3.30% | 2.38% | 1.40% | 10.09% | 6.75% | 17.63% | +1,525 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 | 6.84% | 6.91% | 4.51% | 4.39% | 4.77% | 3.69% | 4.84% | 10.02% | +562 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.87% | 12.83% | 13.32% | 11.94% | 10.67% | 11.32% | 11.52% | 11.87% | -7 bps | |
| Net Worth / Assets | 14.87% | 12.83% | 13.32% | 11.94% | 10.67% | 11.32% | 11.52% | 11.87% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.99% | 16.78% | 27.36% | 27.70% | 24.38% | 25.78% | 24.53% | 22.09% | -561 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |