Lutz, FL · Cert 35009
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.81% | -4.14% | -2.08% | -1.36% | -1.93% | 0.00% | -6.53% | -4.36% | -300 bps | |
| Return on Equity | -36.72% | -65.64% | -33.75% | -22.36% | -34.09% | 0.00% | -242% | -201% | -17,822 bps | |
| Net Interest Margin | 2.92% | 3.17% | 3.14% | 3.14% | 3.16% | 3.17% | 3.10% | 3.09% | -5 bps | |
| Efficiency Ratio | 67.27% | 67.13% | 64.78% | 72.87% | 79.36% | 82.18% | 108.57% | 104.46% | +3,159 bps | |
| Non-Interest Burden | 1.90% | 2.06% | 1.96% | 2.30% | 2.51% | 2.64% | 3.29% | 3.20% | +90 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 | 4.13% | 11.45% | 6.22% | 4.30% | 3.19% | 7.51% | 6.72% | 4.82% | +52 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 |