Naples, FL · Cert 57096
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 | -3.21% | -2.71% | -0.29% | -3.99% | -10.25% | -704 bps | |
| Return on Equity | -117.11% | -109.53% | -12.57% | -213% | -5816% | -569,933 bps | |
| Net Interest Margin | 2.51% | 2.47% | 2.35% | 2.78% | 2.89% | +38 bps | |
| Efficiency Ratio | 269% | 187.60% | 130.70% | 204% | 671% | +40,188 bps | |
| Non-Interest Burden | 5.49% | 4.64% | 3.49% | 5.43% | 10.16% | +467 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.93% | -23.99% | -23.64% | -22.56% | -26.88% | -795 bps | |
| Loan Growth (YoY) | -25.97% | -33.05% | -28.57% | -25.63% | -24.37% | +160 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 6.68% | 12.54% | 0.23% | 3.44% | 3.18% | -350 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 5.22% | 4.66% | 4.67% | 3.35% | -1.79% | -701 bps | |
| Equity / Assets | 2.66% | 2.27% | 2.34% | 1.39% | -1.16% | -383 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.87% | 68.17% | 69.85% | 67.72% | 68.60% | -27 bps | |
| Liquid Assets / Assets | 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 |