Port Saint Lucie, FL · Cert 34870
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.73% | -3.55% | -3.78% | -2.94% | -2.67% | -3.09% | -7.29% | -5.19% | -225 bps | |
| Return on Equity | -21.26% | -46.15% | -71.85% | -58.93% | -55.99% | -70.02% | -368% | -342% | -28,321 bps | |
| Net Interest Margin | 2.37% | 2.53% | 3.03% | 2.99% | 3.13% | 3.25% | 3.23% | 3.24% | +26 bps | |
| Efficiency Ratio | 141.21% | 139.13% | 124.03% | 113.53% | 120.39% | 132.44% | 205% | 178.05% | +6,452 bps | |
| Non-Interest Burden | 3.52% | 3.68% | 3.82% | 3.45% | 3.77% | 4.26% | 5.50% | 5.18% | +173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.65% | 3.87% | 2.44% | -0.68% | -9.92% | -6.36% | -11.08% | -13.58% | -1,290 bps | |
| Loan Growth (YoY) | 3.63% | 1.24% | 0.53% | -4.14% | -9.99% | -11.79% | -14.73% | -13.35% | -921 bps | |
| Deposit Growth (YoY) | 11.10% | 5.44% | 3.91% | 1.27% | -8.53% | -3.71% | -7.35% | -10.60% | -1,187 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 | 1.36% | 1.47% | 2.17% | 3.39% | 3.16% | 3.36% | 4.67% | 2.86% | -53 bps | |
| Allowance / Loans | 2.34% | 2.50% | 2.97% | 2.65% | 3.04% | 2.88% | 3.64% | 4.23% | +158 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 | 9.40% | 8.96% | 7.84% | 7.41% | 7.05% | 5.57% | 3.09% | 1.63% | -578 bps | |
| Equity / Assets | 7.69% | 5.74% | 4.80% | 4.48% | 4.05% | 2.85% | 1.09% | 0.57% | -390 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.92% | 86.80% | 83.35% | 78.09% | 80.62% | 79.52% | 76.72% | 75.69% | -240 bps | |
| Liquid Assets / Assets | 4.49% | 4.05% | 8.25% | 11.50% | 7.52% | 5.34% | 6.43% | 8.32% | -318 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |