Naples, FL · Cert 35396
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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 35396
FDIC
Q2 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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -15.57% | -12.70% | -2.55% | -3.21% | -4.17% | -3.35% | -0.76% | -1.12% | +210 bps | |
| Return on Equity | -205% | -180.31% | -61.22% | -76.71% | -108.30% | -93.00% | -31.18% | -44.53% | +3,218 bps | |
| Net Interest Margin | 2.29% | 2.55% | 2.72% | 2.91% | 2.89% | 2.84% | 2.35% | 2.69% | -22 bps | |
| Efficiency Ratio | 174.81% | 148.95% | 151.95% | 166.41% | 189.61% | 210% | 191.51% | 194.23% | +2,782 bps | |
| Non-Interest Burden | 3.29% | 3.73% | 4.21% | 4.95% | 5.60% | 5.65% | 4.40% | 5.33% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.95% | -7.24% | -7.30% | -29.59% | -25.55% | -16.10% | -21.45% | -25.41% | +418 bps | |
| Loan Growth (YoY) | -9.62% | -7.56% | -13.65% | -17.37% | -18.16% | -22.05% | -25.65% | -29.48% | -1,211 bps | |
| Deposit Growth (YoY) | 26.19% | -3.47% | -2.42% | -28.76% | -25.82% | -15.84% | -22.35% | -27.00% | +176 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 | 11.81% | 8.79% | 2.43% | 5.95% | 8.00% | 6.48% | 0.53% | 0.97% | -498 bps | |
| Allowance / Loans | 9.44% | 10.54% | 11.19% | 10.07% | 8.99% | 8.53% | 8.78% | 8.91% | -116 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 | 9.47% | 8.86% | 8.41% | 8.19% | 5.89% | 5.88% | 6.03% | 5.62% | -256 bps | |
| Equity / Assets | 4.97% | 4.62% | 3.72% | 4.23% | 2.70% | 2.49% | 2.41% | 2.64% | -159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.65% | 77.55% | 70.68% | 82.70% | 76.84% | 71.82% | 67.67% | 79.90% | -280 bps | |
| Liquid Assets / Assets | 22.23% | 21.28% | 36.48% | 24.98% | 29.71% | 34.09% | 39.02% | 31.51% | +653 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |