Jacksonville, FL · Cert 35542
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Jacksonville, FL · Cert 35542
FDIC
Q3 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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.58% | -1.73% | -7.31% | -6.46% | -5.77% | -10.55% | -9.79% | -12.90% | -644 bps | |
| Return on Equity | -27.81% | -13.20% | -60.48% | -55.81% | -52.52% | -120.46% | -109.92% | -156.94% | -10,113 bps | |
| Net Interest Margin | 2.20% | 2.11% | 2.33% | 2.30% | 2.38% | 1.85% | 2.30% | 2.47% | +17 bps | |
| Efficiency Ratio | 226% | 183.81% | 160.26% | 154.40% | 147.37% | 209% | 154.66% | n/a | n/a | |
| Non-Interest Burden | 4.46% | 3.70% | 3.57% | 3.50% | 3.50% | 3.79% | 3.60% | 6.40% | +290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.32% | -3.47% | -2.49% | -8.64% | -5.97% | -5.53% | -12.32% | -19.50% | -1,086 bps | |
| Loan Growth (YoY) | -16.81% | -14.83% | -15.07% | -10.48% | -5.65% | -5.71% | -6.86% | -11.99% | -151 bps | |
| Deposit Growth (YoY) | -7.98% | -4.52% | 2.04% | -4.60% | -1.22% | -0.48% | -11.30% | -15.54% | -1,094 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 | 5.17% | 1.08% | 1.65% | 1.77% | 2.26% | 6.73% | 6.47% | 9.31% | +755 bps | |
| Allowance / Loans | 2.15% | 2.34% | 2.27% | 2.99% | 2.99% | 2.90% | 4.30% | 4.31% | +132 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 | 13.35% | 14.09% | 13.38% | 12.20% | 11.07% | 13.06% | 13.05% | 7.86% | -434 bps | |
| Equity / Assets | 12.76% | 13.40% | 10.11% | 9.89% | 8.50% | 9.03% | 9.22% | 5.63% | -427 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.17% | 86.58% | 81.79% | 87.66% | 82.31% | 82.03% | 85.89% | 91.35% | +368 bps | |
| Liquid Assets / Assets | 11.67% | 14.58% | 15.53% | 8.00% | 13.17% | 14.05% | 12.75% | 5.74% | -226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |