Cape Coral, FL · Cert 34563
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Cape Coral, FL · Cert 34563
FDIC
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.00% | 0.09% | -0.01% | -5.57% | -6.72% | -6.59% | -8.83% | -882 bps | |
| Return on Equity | 12.02% | 13.56% | 1.23% | -0.17% | -78.69% | -107.80% | -119.64% | -202% | -20,150 bps | |
| Net Interest Margin | 3.58% | 3.48% | 3.25% | 3.24% | 2.31% | 1.59% | 1.54% | 1.51% | -173 bps | |
| Efficiency Ratio | 74.35% | 74.02% | 78.44% | 82.76% | 107.42% | 137.63% | 145.76% | 153.10% | +7,035 bps | |
| Non-Interest Burden | 2.37% | 2.29% | 2.34% | 2.51% | 2.54% | 2.43% | 2.56% | 2.68% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.42% | 4.54% | 3.67% | -4.02% | -10.26% | 2.67% | -7.04% | -5.58% | -156 bps | |
| Loan Growth (YoY) | -0.34% | -7.46% | -4.71% | 0.98% | -0.06% | 2.43% | -1.83% | -7.95% | -894 bps | |
| Deposit Growth (YoY) | 6.00% | -0.60% | 5.64% | 5.35% | -6.53% | 22.42% | 2.03% | 0.22% | -513 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 | 0.14% | 0.15% | 0.33% | 0.26% | 0.07% | 3.45% | 3.79% | 8.60% | +834 bps | |
| Allowance / Loans | 1.09% | 1.13% | 1.75% | 1.83% | 3.56% | 3.46% | 4.29% | 4.05% | +222 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 | 11.73% | 12.36% | 12.15% | 12.51% | 10.55% | 10.12% | 8.35% | 3.04% | -947 bps | |
| Equity / Assets | 7.55% | 7.14% | 7.07% | 7.76% | 6.37% | 4.75% | 3.26% | -0.50% | -826 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.46% | 98.33% | 92.61% | 96.22% | 102.08% | 82.28% | 89.11% | 88.37% | -785 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.03% | 0.06% | 0.02% | 13.57% | +1,356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |