Orlando, FL · Cert 34965
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Orlando, FL · Cert 34965
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -0.85% | -1.08% | -1.95% | -1.34% | -3.65% | -5.74% | -8.38% | -644 bps | |
| Return on Equity | -1.11% | -11.73% | -15.01% | -27.92% | -22.84% | -68.59% | -125.99% | -253% | -22,525 bps | |
| Net Interest Margin | 1.98% | 1.91% | 1.93% | 1.94% | 1.30% | 1.37% | 1.46% | 1.50% | -44 bps | |
| Efficiency Ratio | 81.30% | 85.52% | 85.25% | 88.08% | 296% | 284% | 201% | 230% | +14,177 bps | |
| Non-Interest Burden | 1.57% | 1.60% | 1.62% | 1.69% | 2.76% | 2.66% | 2.49% | 2.77% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.73% | -3.57% | -7.84% | -4.96% | -7.88% | -5.94% | -12.86% | -13.48% | -852 bps | |
| Loan Growth (YoY) | -4.14% | -5.06% | -8.77% | -12.13% | -12.29% | -16.19% | -14.59% | -12.01% | +12 bps | |
| Deposit Growth (YoY) | 1.21% | -2.00% | -9.08% | -5.22% | -7.01% | -3.88% | -8.27% | -5.24% | -2 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 | 2.80% | 2.48% | 4.25% | 5.95% | 1.25% | 4.17% | 4.65% | 3.70% | -225 bps | |
| Allowance / Loans | 3.03% | 3.32% | 2.51% | 2.45% | 2.54% | 3.77% | 7.89% | 8.01% | +555 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 | 11.82% | 11.63% | 11.54% | 10.57% | 8.90% | 6.04% | -2.13% | -2.92% | -1,349 bps | |
| Equity / Assets | 7.26% | 7.15% | 7.00% | 6.01% | 5.70% | 4.23% | 2.03% | -2.27% | -828 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.82% | 98.39% | 95.12% | 92.64% | 90.38% | 85.79% | 88.57% | 86.02% | -662 bps | |
| Liquid Assets / Assets | 10.54% | 7.58% | 9.87% | 10.80% | 15.82% | 19.31% | 16.63% | 19.36% | +856 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |