Sarasota, FL · Cert 35244
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.65% | -2.88% | -0.57% | -3.48% | -2.41% | -2.13% | -11.14% | -6.47% | -299 bps | |
| Return on Equity | -62.99% | -51.62% | -12.38% | -84.55% | -61.23% | -56.94% | -683% | -596% | -51,145 bps | |
| Net Interest Margin | 2.60% | 2.66% | 2.73% | 2.90% | 3.01% | 3.06% | 3.13% | 3.13% | +24 bps | |
| Efficiency Ratio | 98.75% | 102.27% | 104.16% | 100.02% | 99.61% | 99.39% | 145.86% | 134.70% | +3,468 bps | |
| Non-Interest Burden | 2.57% | 2.72% | 2.86% | 2.90% | 2.99% | 3.03% | 4.65% | 4.29% | +139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.21% | -9.05% | -9.87% | -11.93% | -12.67% | -12.65% | -16.35% | -15.28% | -335 bps | |
| Loan Growth (YoY) | 1.66% | -2.23% | -8.18% | -8.13% | -9.40% | -9.29% | -11.19% | -13.43% | -530 bps | |
| Deposit Growth (YoY) | 2.43% | -4.16% | -6.68% | -8.63% | -11.75% | -10.95% | -12.07% | -10.27% | -164 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 | 2.87% | 3.18% | 2.03% | 1.88% | 1.33% | 1.24% | 8.58% | 5.13% | +325 bps | |
| Allowance / Loans | 3.32% | 2.48% | 2.21% | 3.90% | 4.00% | 4.04% | 4.98% | 5.14% | +124 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 | 7.25% | 7.64% | 7.61% | 5.89% | 6.09% | 5.93% | 0.63% | -0.10% | -599 bps | |
| Equity / Assets | 4.67% | 4.65% | 4.54% | 3.10% | 3.33% | 2.95% | 0.25% | -0.06% | -317 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.00% | 96.60% | 94.40% | 95.58% | 98.55% | 98.39% | 95.34% | 92.21% | -337 bps | |
| Liquid Assets / Assets | 2.15% | 1.61% | 4.79% | 4.26% | 4.89% | 4.46% | 5.38% | 6.04% | +178 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |