Tampa, FL · Cert 57456
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | 0.17%1 | -3.47% | 0.47% | -2.25% | -1.16% | 0.29%1 | -0.71% | -118 bps | |
| Return on Equity | -2.87% | 2.24% | -51.04% | 7.27% | -31.85% | -15.01% | 3.57% | -8.59% | -1,585 bps | |
| Net Interest Margin | 2.87% | 2.84% | 3.21% | 3.25% | 3.21% | 3.41% | 3.50% | 3.38% | +12 bps | |
| Efficiency Ratio | 93.90% | 128.56% | 113.46% | 86.85% | 97.37% | 101.12% | 129.58% | 120.97% | +3,412 bps | |
| Non-Interest Burden | 2.69% | 3.50% | 3.60% | 2.78% | 3.13% | 3.45% | 4.54% | 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 | 2.93% | 0.75% | 5.58% | -0.05% | 4.81% | 3.98% | 2.16% | -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 |