Clearwater, FL · Cert 57537
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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.
Clearwater, FL · Cert 57537
FDIC
Q3 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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.35% | -6.25% | -4.09% | -3.00% | -2.91% | -8.27% | -7.36% | -6.08% | -308 bps | |
| Return on Equity | -45.13% | -137.17% | -95.54% | -74.52% | -78.19% | -585% | -1193% | -9678% | -960,334 bps | |
| Net Interest Margin | 2.28% | 2.96% | 3.22% | 3.30% | 3.27% | 3.04% | 2.91% | 2.90% | -39 bps | |
| Efficiency Ratio | 132.82% | 87.72% | 83.22% | 83.42% | 88.10% | 117.15% | 122.02% | 138.25% | +5,483 bps | |
| Non-Interest Burden | 2.93% | 2.59% | 2.67% | 2.73% | 2.86% | 3.59% | 3.59% | 4.07% | +135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.82% | -2.79% | -11.90% | -16.52% | -10.87% | -9.29% | -6.74% | -7.36% | +916 bps | |
| Loan Growth (YoY) | -2.37% | -7.18% | -4.89% | -3.19% | -5.95% | -7.29% | -10.18% | -19.01% | -1,583 bps | |
| Deposit Growth (YoY) | 13.63% | 2.25% | -7.84% | -13.01% | -8.16% | -5.91% | -2.15% | -2.63% | +1,038 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 | 1.87% | 6.96% | 4.78% | 4.30% | 4.05% | 6.39% | 5.29% | 7.92% | +361 bps | |
| Allowance / Loans | 2.18% | 2.79% | 3.11% | 3.04% | 3.13% | 4.26% | 5.32% | 3.41% | +37 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 | 7.94% | 6.13% | 5.72% | 5.52% | 4.74% | 1.73% | -1.34% | -2.65% | -817 bps | |
| Equity / Assets | 5.17% | 3.91% | 3.68% | 3.23% | 2.42% | 0.38% | -1.03% | -1.69% | -492 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.36% | 77.87% | 81.26% | 82.54% | 80.25% | 76.73% | 74.58% | 68.65% | -1,389 bps | |
| Liquid Assets / Assets | 6.77% | 6.34% | 10.86% | 3.25% | 4.44% | 6.94% | 8.29% | 10.78% | +754 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |