Winter Park, FL · Cert 26297
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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.
Winter Park, FL · Cert 26297
FDIC
Q1 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18%1 | -0.02% | -1.27% | -1.22% | -2.92% | -3.44% | -7.66% | -6.80% | -558 bps | |
| Return on Equity | 2.40% | -0.24% | -16.35% | -16.20% | -38.44% | -46.92% | -121.26% | -964% | -94,752 bps | |
| Net Interest Margin | 2.09% | 2.12% | 2.34% | 2.08% | 2.39% | 2.33% | 2.34% | 1.77% | -30 bps | |
| Efficiency Ratio | 86.21% | 91.06% | 109.74% | 120.64% | 262% | 363% | 232% | 521% | +40,033 bps | |
| Non-Interest Burden | 1.75% | 1.90% | 2.61% | 2.55% | 4.30% | 4.63% | 4.26% | 4.91% | +236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.12% | 2.83% | -14.32% | -20.54% | -22.29% | -15.41% | -20.85% | -19.90% | +64 bps | |
| Loan Growth (YoY) | -9.32% | -12.51% | -15.89% | -18.84% | -16.46% | -14.91% | -18.41% | -20.52% | -167 bps | |
| Deposit Growth (YoY) | 13.12% | 10.53% | -12.74% | -20.77% | -22.98% | -14.27% | -16.39% | -13.48% | +729 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 | 1.66% | 1.47% | 1.72% | 1.42% | 4.34% | 3.67% | 6.72% | 3.74% | +232 bps | |
| Allowance / Loans | 1.36% | 1.44% | 3.50% | 3.91% | 3.90% | 5.21% | 4.56% | 5.25% | +134 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 | 11.37% | 11.61% | 10.42% | 10.01% | 8.73% | 5.48% | 3.25% | -0.25% | -1,026 bps | |
| Equity / Assets | 7.65% | 8.45% | 7.55% | 7.54% | 7.69% | 6.50% | 1.52% | -0.13% | -767 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.70% | 85.25% | 84.37% | 84.53% | 86.45% | 84.60% | 82.34% | 77.65% | -688 bps | |
| Liquid Assets / Assets | 2.12% | 8.47% | 8.00% | 7.11% | 2.86% | 5.79% | 7.13% | 11.39% | +428 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |