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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.90% | -1.10% | -11.62% | -13.25% | -15.51% | -1,461 bps | |
| Return on Equity | -6.69% | -8.21% | -100.55% | -136.38% | 3281% | +328,760 bps | |
| Net Interest Margin | 2.17% | 2.22% | 2.18% | 2.26% | 2.01% | -15 bps | |
| Efficiency Ratio | 91.91% | 95.59% | 99.53% | 104.12% | 122.30% | +3,039 bps | |
| Non-Interest Burden | 1.95% | 2.11% | 11.27% | 9.74% | 3.18% | +123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.69% | 6.04% | -8.83% | -11.68% | -15.63% | -2,431 bps | |
| Loan Growth (YoY) | 10.08% | 6.59% | 2.10% | -7.69% | -15.03% | -2,512 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 4.06% | 3.05% | 3.82% | 6.00% | 15.35% | +1,129 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.17% | 10.25% | 8.43% | 2.99% | -2.98% | -1,316 bps | |
| Equity / Assets | 13.33% | 13.33% | 5.59% | 1.47% | -2.47% | -1,580 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 122.09% | 111.73% | 104.90% | 101.67% | 94.39% | -2,770 bps | |
| Liquid Assets / Assets | 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 |