Marco Island, FL · Cert 57586
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Marco Island, FL · Cert 57586
FDIC
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -3.05% | -2.48% | -3.27% | -0.58% | -4.04% | -4.73% | -10.36% | -709 bps | |
| Return on Equity | -5.01% | -27.32% | -22.06% | -29.37% | -5.62% | -40.94% | -50.23% | -128.72% | -9,935 bps | |
| Net Interest Margin | 2.44% | 2.35% | 2.60% | 2.61% | 2.39% | 2.22% | 2.24% | 2.53% | -7 bps | |
| Efficiency Ratio | 124.62% | 133.09% | 140.96% | 149.99% | 132.61% | 121.57% | 314% | 210% | +6,048 bps | |
| Non-Interest Burden | 3.08% | 3.18% | 3.72% | 3.89% | 3.18% | 2.78% | 4.65% | 4.55% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.20% | -12.45% | -12.96% | -8.74% | -9.10% | 2.99% | 6.22% | -10.06% | -132 bps | |
| Loan Growth (YoY) | -14.65% | -11.73% | -15.98% | -9.05% | 2.79% | -4.08% | -4.47% | -5.64% | +340 bps | |
| Deposit Growth (YoY) | -4.53% | -15.23% | -14.75% | -7.46% | -8.09% | 7.02% | 11.82% | -0.19% | +728 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 | 0.48% | 1.32% | 1.61% | 3.27% | 4.18% | 7.89% | 11.27% | 8.23% | +497 bps | |
| Allowance / Loans | 3.16% | 5.19% | 5.19% | 5.45% | 4.18% | 5.46% | 1.70% | 4.61% | -84 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 | 16.42% | 14.47% | 16.49% | 12.34% | 12.27% | 8.56% | 6.90% | 2.97% | -937 bps | |
| Equity / Assets | 11.06% | 10.92% | 11.59% | 10.62% | 10.05% | 9.00% | 8.02% | 1.65% | -897 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.60% | 92.17% | 93.97% | 93.95% | 91.27% | 82.60% | 80.28% | 88.81% | -514 bps | |
| Liquid Assets / Assets | 3.46% | 7.78% | 6.46% | 6.51% | 0.42% | 1.04% | 5.40% | 0.66% | -585 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |