Kissimmee, FL · Cert 27581
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 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.
Kissimmee, FL · Cert 27581
FDIC
Q3 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.25% | -0.15% | -0.19% | -0.52% | 0.08%1 | 0.03%1 | -0.03% | +16 bps | |
| Return on Equity | 4.32% | 2.85% | -1.80% | -2.21% | -5.85% | 0.87% | 0.35% | -0.35% | +187 bps | |
| Net Interest Margin | 3.12% | 3.05% | 2.95% | 3.04% | 3.14% | 3.37% | 3.35% | 3.43% | +39 bps | |
| Efficiency Ratio | 62.84% | 78.55% | 76.44% | 73.59% | 73.34% | 69.51% | 71.57% | 73.67% | +8 bps | |
| Non-Interest Burden | 1.52% | 2.33% | 2.16% | 2.13% | 2.21% | 2.19% | 2.24% | 2.36% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.46% | 11.89% | 19.12% | 12.11% | 7.94% | 7.50% | -0.69% | -2.54% | -1,465 bps | |
| Loan Growth (YoY) | 13.93% | 12.60% | 7.00% | 4.67% | 4.31% | 5.66% | 5.74% | -10.63% | -1,530 bps | |
| Deposit Growth (YoY) | 12.02% | 10.86% | 27.58% | 23.11% | 11.39% | 10.83% | -3.20% | -5.12% | -2,823 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 | 0.69% | 1.65% | 1.30% | 0.98% | 1.34% | 0.91% | 2.26% | 2.18% | +120 bps | |
| Allowance / Loans | 1.82% | 1.58% | 1.91% | 2.39% | 2.97% | 3.18% | 2.76% | 3.14% | +75 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 | 12.21% | 12.29% | 11.86% | 13.18% | 12.65% | 12.69% | 12.66% | 13.59% | +41 bps | |
| Equity / Assets | 8.77% | 8.80% | 8.10% | 9.54% | 9.19% | 9.19% | 9.36% | 9.40% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.35% | 83.36% | 74.81% | 79.90% | 81.80% | 79.47% | 81.72% | 75.26% | -464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.24% | 1.70% | +170 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |