North Palm Beach, FL · Cert 32917
FDIC
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.68% | 2.21% | 0.78% | 0.67% | -1.05% | -273 bps | |
| Return on Equity | 12.53% | 16.24% | 5.59% | 4.55% | -7.22% | -1,976 bps | |
| Net Interest Margin | 3.54% | 3.30% | 3.41% | 3.44% | 3.24% | -30 bps | |
| Efficiency Ratio | 60.46% | 61.60% | 54.92% | 55.90% | 106.62% | +4,617 bps | |
| Non-Interest Burden | 1.55% | 1.40% | 1.04% | 1.05% | 3.49% | +194 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.69% | 7.92% | -5.55% | 2.30% | -0.38% | -308 bps | |
| Loan Growth (YoY) | 6.94% | 11.13% | 5.84% | 3.91% | 2.97% | -397 bps | |
| Deposit Growth (YoY) | -2.64% | 0.04% | -14.89% | -9.79% | -11.87% | -924 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.39% | 2.40% | 0.10% | 1.49% | +135 bps | |
| Allowance / Loans | 2.14% | 1.93% | 2.24% | 2.73% | 1.95% | -19 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 15.98% | 17.04% | 17.00% | 17.13% | 16.55% | +57 bps | |
| Equity / Assets | 14.06% | 14.24% | 15.30% | 14.16% | 14.29% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.06% | 89.22% | 101.43% | 94.48% | 101.72% | +1,466 bps | |
| Liquid Assets / Assets | 7.98% | 22.22% | 15.23% | 20.13% | 16.22% | +825 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |