Bartow, FL · Cert 25266
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Bartow, FL · Cert 25266
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | -1.92% | -0.17% | -6.31% | -4.92% | -5.12% | -15.59% | -10.73% | -443 bps | |
| Return on Equity | -4.09% | -22.17% | -1.81% | -74.12% | -60.50% | -67.29% | -457% | -446% | -37,194 bps | |
| Net Interest Margin | 3.45% | 3.31% | 2.81% | 2.98% | 3.14% | 3.24% | 2.62% | 2.73% | -25 bps | |
| Efficiency Ratio | 86.32% | 93.95% | 108.49% | 125.17% | 140.78% | 184.51% | 25375% | 236% | +11,071 bps | |
| Non-Interest Burden | 2.95% | 3.10% | 3.07% | 3.77% | 4.33% | 5.71% | 7.95% | 6.81% | +303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.88% | -7.68% | -12.47% | -20.02% | -19.63% | -16.43% | -14.09% | -14.41% | +562 bps | |
| Loan Growth (YoY) | -1.20% | -7.90% | -7.96% | -20.99% | -25.31% | -24.90% | -27.83% | -24.31% | -332 bps | |
| Deposit Growth (YoY) | -7.77% | -7.72% | -16.52% | -21.81% | -20.42% | -15.74% | -5.66% | -7.99% | +1,381 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 | 1.90% | 4.04% | 1.33% | 5.00% | 5.53% | 5.57% | 8.62% | 8.98% | +399 bps | |
| Allowance / Loans | 1.16% | 1.94% | 1.63% | 2.63% | 1.46% | 3.55% | 3.93% | 3.02% | +39 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 | 13.56% | 13.98% | 14.39% | 10.89% | 11.02% | 9.16% | 3.62% | 0.46% | -1,043 bps | |
| Equity / Assets | 8.78% | 9.03% | 9.40% | 6.95% | 6.86% | 5.31% | 1.48% | 0.19% | -676 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.96% | 92.86% | 100.29% | 95.69% | 91.94% | 82.76% | 76.72% | 78.72% | -1,697 bps | |
| Liquid Assets / Assets | 0.16% | 0.57% | 5.57% | 4.50% | 5.77% | 10.92% | 20.59% | 18.64% | +1,414 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |