Belleview, FL · Cert 57186
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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.
Belleview, FL · Cert 57186
FDIC
Q4 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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.76% | -4.73% | -4.85% | -5.23% | -3.43% | -4.36% | -7.71% | -6.96% | -173 bps | |
| Return on Equity | -86.19% | -48.66% | -51.45% | -58.11% | -51.93% | -72.47% | -156.47% | -168.34% | -11,022 bps | |
| Net Interest Margin | 2.88% | 2.81% | 2.92% | 2.93% | 2.80% | 2.65% | 2.56% | 2.74% | -19 bps | |
| Efficiency Ratio | 111.48% | 117.16% | 115.40% | 117.94% | 154.99% | 213% | n/a | 770% | +65,165 bps | |
| Non-Interest Burden | 3.22% | 3.32% | 3.40% | 3.49% | 4.41% | 5.73% | 6.45% | 6.15% | +266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.01% | -17.93% | -20.58% | -15.57% | -10.40% | -11.35% | -9.11% | -13.75% | +182 bps | |
| Loan Growth (YoY) | -14.86% | -16.53% | -16.59% | -18.51% | -18.79% | -17.95% | -17.69% | -17.97% | +54 bps | |
| Deposit Growth (YoY) | -5.69% | -14.38% | -19.49% | -11.61% | -7.72% | -7.40% | -2.09% | -7.53% | +409 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 | 4.98% | 4.36% | 7.82% | 7.21% | 15.27% | 8.65% | 8.39% | 8.61% | +140 bps | |
| Allowance / Loans | 6.88% | 6.41% | 4.93% | 6.02% | 3.28% | 3.36% | 5.49% | 4.92% | -109 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 | 12.88% | 12.96% | 12.01% | 10.36% | 9.22% | 7.78% | 3.19% | 1.05% | -931 bps | |
| Equity / Assets | 9.01% | 8.83% | 8.41% | 7.11% | 6.09% | 4.86% | 1.46% | 0.46% | -665 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.18% | 74.63% | 76.96% | 76.84% | 69.69% | 66.13% | 64.70% | 68.16% | -868 bps | |
| Liquid Assets / Assets | 0.13% | 0.13% | 5.91% | 6.22% | 6.06% | 7.94% | 2.36% | 1.64% | -458 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |