Fort Myers, FL · Cert 57085
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 | 0.05%1 | 0.10%1 | 0.08% | 0.04%1 | 0.12% | 0.22% | 0.50% | 0.51% | +46 bps | |
| Return on Equity | 0.58% | 1.24% | 0.98% | 0.51% | 1.44% | 2.58% | 6.05% | 5.99% | +548 bps | |
| Net Interest Margin | 3.55% | 3.61% | 3.45% | 3.44% | 3.53% | 3.53% | 3.46% | 3.33% | -11 bps | |
| Efficiency Ratio | 64.92% | 64.20% | 67.68% | 65.70% | 63.17% | 64.15% | 61.74% | 62.19% | -351 bps | |
| Non-Interest Burden | 2.23% | 2.22% | 2.23% | 2.13% | 2.09% | 2.12% | 1.93% | 1.90% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.35% | -5.03% | -3.93% | -3.90% | -0.98% | 0.79% | 3.31% | 2.17% | +608 bps | |
| Loan Growth (YoY) | -7.61% | -6.16% | -6.55% | -9.93% | -5.39% | -3.80% | -4.20% | -3.64% | +629 bps | |
| Deposit Growth (YoY) | -2.32% | -4.80% | -2.80% | -0.93% | 0.68% | 4.29% | 7.21% | 3.25% | +418 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 | 1.55% | 1.27% | 0.26% | 1.75% | 1.37% | 1.30% | 0.79% | 1.27% | -48 bps | |
| Allowance / Loans | 2.24% | 2.49% | 2.84% | 2.66% | 2.90% | 2.81% | 2.95% | 2.82% | +16 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 | 12.89% | 13.11% | 12.82% | 13.25% | 13.35% | 13.33% | 13.81% | 14.35% | +109 bps | |
| Equity / Assets | 8.27% | 8.32% | 7.95% | 8.35% | 8.62% | 8.53% | 8.08% | 8.73% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.08% | 101.57% | 94.93% | 92.47% | 94.04% | 93.69% | 84.82% | 86.30% | -617 bps | |
| Liquid Assets / Assets | 6.40% | 6.51% | 11.02% | 9.01% | 6.79% | 6.29% | 11.78% | 7.63% | -137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |