Fort Lauderdale, FL · Cert 30559
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Fort Lauderdale, FL · Cert 30559
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.17% | -2.54% | -1.50% | 0.66% | 0.20% | -0.06% | -0.53% | -0.56% | -123 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 2.74% | 2.51% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 91.06% | 94.30% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.35% | 2.28% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.14% | -6.01% | -5.62% | -16.91% | -17.35% | -18.38% | -13.64% | -0.62% | +1,630 bps | |
| Loan Growth (YoY) | -15.68% | -17.20% | -17.88% | -20.96% | -20.67% | -18.59% | -16.35% | -16.48% | +448 bps | |
| Deposit Growth (YoY) | -3.08% | -1.93% | -0.99% | -14.06% | -13.42% | -15.65% | -13.87% | 0.33% | +1,439 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 | n/a | n/a | n/a | n/a | n/a | n/a | 13.54% | 8.02% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 2.57% | 2.58% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 15.77% | 16.28% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 7.48% | 7.36% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.09% | 79.87% | 72.94% | 80.39% | 78.88% | 77.09% | 70.83% | 66.92% | -1,347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 26.35% | 30.19% | +3,019 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |