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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.03% | -20.59% | -4.08% | -3.21% | -2.71% | -0.29% | -3.99% | -10.25% | -704 bps | |
| Return on Equity | -89.52% | -418% | -152.15% | -117.11% | -109.53% | -12.57% | -213% | -5816% | -569,933 bps | |
| Net Interest Margin | 2.52% | 2.20% | 2.60% | 2.51% | 2.47% | 2.35% | 2.78% | 2.89% | +38 bps | |
| Efficiency Ratio | 440% | 371% | 221% | 269% | 187.60% | 130.70% | 204% | 671% | +40,188 bps | |
| Non-Interest Burden | 6.45% | 5.26% | 5.62% | 5.49% | 4.64% | 3.49% | 5.43% | 10.16% | +467 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 | 1.41% | 22.23% | 5.60% | 6.68% | 12.54% | 0.23% | 3.44% | 3.18% | -350 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 |