Naples, FL · Cert 35106
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 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.
Naples, FL · Cert 35106
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.35% | -1.01% | -0.90% | -1.10% | -11.62% | -13.25% | -15.51% | -1,461 bps | |
| Return on Equity | 1.74% | -2.30% | -6.83% | -6.69% | -8.21% | -100.55% | -136.38% | 3281% | +328,760 bps | |
| Net Interest Margin | 2.98% | 2.87% | 2.57% | 2.17% | 2.22% | 2.18% | 2.26% | 2.01% | -15 bps | |
| Efficiency Ratio | 80.11% | 81.58% | 85.18% | 91.91% | 95.59% | 99.53% | 104.12% | 122.30% | +3,039 bps | |
| Non-Interest Burden | 2.27% | 2.23% | 2.11% | 1.95% | 2.11% | 11.27% | 9.74% | 3.18% | +123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.88% | 11.86% | 10.00% | 8.69% | 6.04% | -8.83% | -11.68% | -15.63% | -2,431 bps | |
| Loan Growth (YoY) | -1.32% | -0.43% | 6.27% | 10.08% | 6.59% | 2.10% | -7.69% | -15.03% | -2,512 bps | |
| Deposit Growth (YoY) | -14.24% | 15.36% | 19.85% | 7.89% | 15.25% | -1.11% | 2.42% | 9.90% | +201 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 | 0.89% | 1.65% | 1.25% | 4.06% | 3.05% | 3.82% | 6.00% | 15.35% | +1,129 bps | |
| Allowance / Loans | 1.17% | 1.27% | 2.59% | 2.03% | 2.34% | 3.64% | 3.97% | 4.66% | +263 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 | 11.90% | 11.01% | 10.35% | 10.17% | 10.25% | 8.43% | 2.99% | -2.98% | -1,316 bps | |
| Equity / Assets | 15.36% | 13.75% | 13.60% | 13.33% | 13.33% | 5.59% | 1.47% | -2.47% | -1,580 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.80% | 101.59% | 112.81% | 122.09% | 111.73% | 104.90% | 101.67% | 94.39% | -2,770 bps | |
| Liquid Assets / Assets | 0.44% | 0.43% | 0.42% | 0.40% | 0.30% | 3.65% | 6.02% | 6.49% | +609 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |