Fort Myers, FL · Cert 34943
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.95% | -0.85% | -1.16% | -0.56% | -0.12% | -0.65% | -5.31% | -8.60% | -804 bps | |
| Return on Equity | -25.54% | -23.12% | -33.99% | -17.55% | -3.64% | -20.22% | -214% | -1432% | -141,424 bps | |
| Net Interest Margin | 2.28% | 2.48% | 2.36% | 2.58% | 2.60% | 2.52% | 2.12% | 2.61% | +2 bps | |
| Efficiency Ratio | 136.67% | 123.31% | 110.17% | 120.95% | 91.97% | 115.31% | 152.66% | 315% | +19,408 bps | |
| Non-Interest Burden | 3.19% | 3.20% | 2.68% | 3.21% | 2.28% | 2.97% | 3.36% | 6.15% | +294 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.52% | -5.74% | -13.35% | -7.48% | -7.25% | -9.39% | -8.51% | -9.86% | -237 bps | |
| Loan Growth (YoY) | -12.45% | -13.89% | -14.72% | -13.34% | -13.60% | -9.07% | -5.39% | -2.79% | +1,055 bps | |
| Deposit Growth (YoY) | 0.03% | 1.79% | -5.73% | -6.45% | -6.40% | -8.50% | -7.16% | -5.68% | +77 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 | 0.10% | 0.11% | 1.15% | 0.14% | 3.63% | 0.72% | 2.28% | 1.04% | +91 bps | |
| Allowance / Loans | 2.90% | 3.04% | 3.38% | 3.53% | 2.90% | 2.69% | 3.48% | 4.92% | +139 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 | 6.03% | 5.75% | 5.45% | 5.45% | 5.43% | 5.26% | 3.56% | -0.31% | -576 bps | |
| Equity / Assets | 3.65% | 3.67% | 3.18% | 3.23% | 3.20% | 3.25% | 1.73% | -0.62% | -385 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.67% | 75.27% | 70.96% | 71.46% | 68.93% | 74.79% | 72.32% | 73.64% | +218 bps | |
| Liquid Assets / Assets | 6.41% | 2.86% | 8.49% | 7.13% | 9.57% | 3.99% | 6.64% | 4.63% | -250 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |