Lutz, FL · Cert 35009
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.40% | -4.14% | 0.00% | 0.08% | -3.66% | 0.00% | -13.09% | 0.06% | -3 bps | |
| Return on Equity | -6.07% | -65.64% | -0.03% | 1.40% | -75.19% | 0.00% | -605% | 10.41% | +901 bps | |
| Net Interest Margin | 2.95% | 3.17% | 3.06% | 3.09% | 3.11% | 3.17% | 3.05% | 2.97% | -12 bps | |
| Efficiency Ratio | 96.01% | 67.13% | 62.32% | 94.31% | 99.57% | 82.18% | 161.68% | 98.07% | +376 bps | |
| Non-Interest Burden | 2.82% | 2.06% | 1.83% | 2.94% | 3.10% | 2.64% | 3.95% | 2.92% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.88% | -8.71% | -4.13% | -8.20% | -8.45% | -5.94% | -8.66% | -8.61% | -41 bps | |
| Loan Growth (YoY) | -1.57% | -4.56% | -5.01% | -6.58% | -8.14% | -8.33% | -10.05% | -9.71% | -313 bps | |
| Deposit Growth (YoY) | 0.75% | -3.56% | -3.16% | -7.83% | -5.69% | -4.01% | -3.76% | -1.71% | +612 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 | 3.62% | 11.45% | 0.85% | 0.26% | -0.48% | 7.51% | 5.71% | 0.86% | +60 bps | |
| Allowance / Loans | 4.08% | 3.71% | 3.92% | 3.92% | 4.48% | 2.92% | 5.42% | 5.27% | +135 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 | 9.12% | 6.05% | 6.01% | 6.26% | 6.04% | 6.08% | 1.40% | 1.46% | -480 bps | |
| Equity / Assets | 6.75% | 5.84% | 5.86% | 5.92% | 3.77% | 3.74% | 0.54% | 0.55% | -536 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.83% | 89.82% | 89.01% | 88.39% | 89.44% | 85.78% | 83.18% | 81.19% | -720 bps | |
| Liquid Assets / Assets | 8.48% | 7.61% | 6.49% | 7.40% | 5.29% | 2.25% | 4.53% | 7.20% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |