Brooksville, FL · Cert 57625
FDIC
Q1 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.36% | -2.67% | -6.63% | -2.95% | -6.69% | -7.42% | -22.43% | -2.85% | +10 bps | |
| Return on Equity | -16.75% | -13.67% | -35.85% | -21.48% | -52.09% | -62.07% | -263% | 30.47% | +5,195 bps | |
| Net Interest Margin | 2.33% | 2.27% | 2.07% | 1.66% | 1.71% | 1.66% | 1.62% | 1.22% | -43 bps | |
| Efficiency Ratio | 118.42% | 121.30% | 149.89% | 258% | 225% | 226% | 355% | 319% | +6,055 bps | |
| Non-Interest Burden | 2.80% | 2.79% | 3.17% | 4.64% | 4.11% | 4.02% | 6.29% | 5.18% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.29% | 8.04% | 5.44% | 3.74% | -6.65% | -7.86% | -22.57% | -19.89% | -2,363 bps | |
| Loan Growth (YoY) | 5.20% | -0.51% | -1.75% | -3.81% | -9.92% | -14.40% | -22.38% | -27.54% | -2,372 bps | |
| Deposit Growth (YoY) | 3.05% | 4.84% | 12.38% | 17.60% | 3.35% | 9.54% | 5.22% | 6.67% | -1,093 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 | 0.56% | 7.14% | 6.92% | 2.70% | 7.02% | 8.66% | 18.23% | 0.00% | -270 bps | |
| Allowance / Loans | 6.10% | 1.69% | 2.21% | 1.57% | 1.82% | 1.77% | 13.38% | 14.56% | +1,299 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 | 20.29% | 20.39% | 19.08% | 18.33% | 15.39% | 13.29% | -13.35% | -14.89% | -3,321 bps | |
| Equity / Assets | 17.98% | 18.16% | 14.19% | 13.24% | 11.05% | 9.20% | -9.06% | -9.61% | -2,286 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.45% | 108.44% | 104.32% | 97.72% | 94.53% | 84.75% | 76.95% | 66.38% | -3,134 bps | |
| Liquid Assets / Assets | 2.26% | 8.15% | 6.35% | 10.88% | 12.03% | 12.78% | 14.31% | 26.63% | +1,576 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |