Valrico, FL · Cert 27536
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.36% | -0.04% | -1.44% | 0.08% | 0.31% | -0.05% | 0.85% | +228 bps | |
| Return on Equity | 4.96% | 1.71% | -0.18% | -6.50% | 0.38% | 1.38% | -0.22% | 3.84% | +1,034 bps | |
| Net Interest Margin | 3.67% | 3.60% | 3.59% | 2.91% | 3.45% | 3.27% | 3.24% | 3.18% | +27 bps | |
| Efficiency Ratio | 57.82% | 73.80% | 59.61% | 110.77% | 88.72% | 81.83% | 83.91% | 64.44% | -4,634 bps | |
| Non-Interest Burden | 1.65% | 2.47% | 1.66% | 3.39% | 3.07% | 2.59% | 2.66% | 1.88% | -152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.20% | -2.87% | -2.68% | -6.73% | -9.42% | -4.61% | -5.25% | 2.55% | +929 bps | |
| Loan Growth (YoY) | -2.05% | -7.48% | -6.42% | -2.87% | -8.03% | -10.16% | -10.86% | -15.33% | -1,246 bps | |
| Deposit Growth (YoY) | 4.07% | -2.26% | -1.47% | -2.93% | -6.44% | -1.41% | 1.27% | 6.81% | +974 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 | -0.02% | 0.92% | 1.72% | 0.64% | 6.24% | 3.59% | 1.89% | 0.14% | -50 bps | |
| Allowance / Loans | 2.87% | 2.96% | 3.73% | 4.29% | 3.19% | 2.60% | 2.42% | 2.49% | -180 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 | 17.07% | 17.49% | 15.16% | 17.31% | 18.20% | 19.25% | 17.87% | 18.89% | +159 bps | |
| Equity / Assets | 20.73% | 21.71% | 21.81% | 22.47% | 22.49% | 22.47% | 22.32% | 21.79% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.90% | 82.48% | 83.86% | 85.60% | 79.52% | 75.16% | 73.82% | 67.86% | -1,775 bps | |
| Liquid Assets / Assets | 1.57% | 1.42% | 4.17% | 1.46% | 1.95% | 2.15% | 1.36% | 1.71% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |