Naples, FL · Cert 35396
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.82% | -6.47% | -0.70% | -0.76% | -1.48% | +233 bps | |
| Return on Equity | -96.51% | -186.46% | -27.00% | -31.18% | -59.08% | +3,743 bps | |
| Net Interest Margin | 2.83% | 2.66% | 2.50% | 2.35% | 2.55% | -28 bps | |
| Efficiency Ratio | 181.83% | 242% | 416% | 191.51% | 196.77% | +1,495 bps | |
| Non-Interest Burden | 5.26% | 6.61% | 5.41% | 4.40% | 5.34% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -29.59% | -25.55% | -16.10% | -21.45% | -25.41% | +418 bps | |
| Loan Growth (YoY) | -17.37% | -18.16% | -22.05% | -25.65% | -29.48% | -1,211 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 9.33% | 11.16% | 0.49% | 0.53% | 1.34% | -798 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.19% | 5.89% | 5.88% | 6.03% | 5.62% | -256 bps | |
| Equity / Assets | 4.23% | 2.70% | 2.49% | 2.41% | 2.64% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.70% | 76.84% | 71.82% | 67.67% | 79.90% | -280 bps | |
| Liquid Assets / Assets | 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 |