Clearwater, FL · Cert 57537
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.88% | -6.25% | -1.82% | -0.72% | -2.65% | -8.27% | -6.44% | -3.41% | -269 bps | |
| Return on Equity | -145.50% | -137.17% | -47.88% | -20.75% | -93.83% | -585% | 2005% | 251% | +27,149 bps | |
| Net Interest Margin | 2.48% | 2.96% | 3.25% | 3.40% | 3.10% | 3.04% | 2.72% | 2.72% | -68 bps | |
| Efficiency Ratio | 90.59% | 87.72% | 78.93% | 83.81% | 102.90% | 117.15% | 127.47% | 174.36% | +9,054 bps | |
| Non-Interest Burden | 2.24% | 2.59% | 2.53% | 2.81% | 3.20% | 3.59% | 3.52% | 4.83% | +201 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 | 1.33% | 6.96% | 2.58% | 3.30% | 3.09% | 6.39% | 3.96% | 11.95% | +865 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 |