Naples, FL · Cert 57096
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 57096
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 | -6.24% | -9.50% | -4.08% | -3.65% | -3.38% | -2.69% | -3.99% | -7.07% | -341 bps | |
| Return on Equity | -73.42% | -127.22% | -152.15% | -136.51% | -130.67% | -105.77% | -213% | -757% | -62,068 bps | |
| Net Interest Margin | 2.40% | 2.42% | 2.60% | 2.60% | 2.75% | 2.79% | 2.78% | 2.89% | +30 bps | |
| Efficiency Ratio | 245% | 265% | 221% | 241% | 223% | 193.08% | 204% | 670% | +42,951 bps | |
| Non-Interest Burden | 5.30% | 5.46% | 5.62% | 5.65% | 5.73% | 5.46% | 5.43% | 7.91% | +227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.37% | -22.50% | -21.69% | -18.93% | -23.99% | -23.64% | -22.56% | -26.88% | -795 bps | |
| Loan Growth (YoY) | -18.30% | -16.47% | -20.86% | -25.97% | -33.05% | -28.57% | -25.63% | -24.37% | +160 bps | |
| Deposit Growth (YoY) | -19.99% | -17.40% | -16.47% | -13.78% | -19.99% | -23.30% | -21.26% | -24.08% | -1,030 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 | 2.52% | 7.67% | 5.60% | 6.37% | 8.98% | 7.13% | 3.44% | 3.42% | -295 bps | |
| Allowance / Loans | 10.12% | 10.19% | 10.10% | 9.63% | 7.98% | 7.99% | 8.06% | 8.98% | -65 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 | 11.30% | 4.49% | 5.15% | 5.22% | 4.66% | 4.67% | 3.35% | -1.79% | -701 bps | |
| Equity / Assets | 7.12% | 2.55% | 2.81% | 2.66% | 2.27% | 2.34% | 1.39% | -1.16% | -383 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.47% | 75.01% | 71.71% | 68.87% | 68.17% | 69.85% | 67.72% | 68.60% | -27 bps | |
| Liquid Assets / Assets | 8.25% | 8.18% | 12.92% | 11.30% | 16.58% | 12.24% | 17.21% | 10.91% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |