Tampa, FL · Cert 57456
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
Tampa, FL · Cert 57456
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.11% | -0.69% | -1.35% | 0.47% | -0.87% | -0.97% | -0.67% | -0.71% | -118 bps | |
| Return on Equity | -15.40% | -9.53% | -19.21% | 7.27% | -12.96% | -13.66% | -9.28% | -8.59% | -1,585 bps | |
| Net Interest Margin | 2.72% | 2.71% | 2.92% | 3.25% | 3.26% | 3.40% | 3.57% | 3.38% | +12 bps | |
| Efficiency Ratio | 102.81% | 110.61% | 111.37% | 86.85% | 91.77% | 94.86% | 103.18% | 120.97% | +3,412 bps | |
| Non-Interest Burden | 2.79% | 2.98% | 3.22% | 2.78% | 2.98% | 3.22% | 3.69% | 4.08% | +130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.95% | -5.56% | -12.99% | -11.78% | -17.57% | -13.68% | -14.91% | -17.00% | -522 bps | |
| Loan Growth (YoY) | -14.52% | -16.64% | -16.73% | -15.37% | -16.71% | -14.97% | -15.29% | -20.48% | -511 bps | |
| Deposit Growth (YoY) | -0.63% | -2.59% | -14.85% | -12.42% | -18.24% | -14.36% | -12.24% | -16.43% | -401 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 | 2.64% | 2.11% | 3.04% | -0.05% | 2.38% | 2.97% | 2.86% | -0.39% | -34 bps | |
| Allowance / Loans | 2.81% | 3.35% | 3.41% | 3.56% | 3.56% | 3.18% | 2.88% | 3.28% | -28 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 | 12.41% | 12.84% | 11.75% | 12.24% | 11.87% | 11.98% | 12.60% | 13.08% | +84 bps | |
| Equity / Assets | 7.67% | 7.38% | 6.14% | 6.71% | 7.44% | 8.04% | 8.13% | 8.42% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.99% | 68.03% | 73.47% | 69.72% | 70.28% | 67.55% | 70.91% | 66.34% | -338 bps | |
| Liquid Assets / Assets | 4.56% | 7.34% | 4.28% | 3.15% | 3.66% | 6.77% | 3.49% | 5.11% | +196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |