Clermont, FL · Cert 57724
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Clermont, FL · Cert 57724
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.51% | -1.41% | -1.49% | -1.46% | -1.90% | -1.71% | -9.27% | -2.81% | -135 bps | |
| Return on Equity | -10.83% | -11.28% | -12.54% | -15.02% | -20.09% | -19.24% | -126.88% | -9771% | -975,641 bps | |
| Net Interest Margin | 1.37% | 1.55% | 1.53% | 1.67% | 1.76% | 1.51% | 1.49% | 0.91% | -76 bps | |
| Efficiency Ratio | 227% | 208% | 181.99% | 179.04% | 174.80% | 196.54% | 192.32% | 371% | +19,239 bps | |
| Non-Interest Burden | 3.18% | 3.28% | 2.83% | 3.04% | 3.16% | 3.04% | 2.94% | 3.54% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.54% | 66.39% | 61.37% | 22.53% | 11.93% | 6.09% | -3.55% | 10.00% | -1,253 bps | |
| Loan Growth (YoY) | 59.30% | 76.19% | 71.85% | 43.91% | 30.64% | 14.17% | 0.45% | -11.35% | -5,526 bps | |
| Deposit Growth (YoY) | 68.92% | 97.45% | 93.07% | 31.69% | 17.25% | 9.13% | 7.33% | 29.40% | -229 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 | 0.00% | 0.00% | 0.00% | 1.69% | 1.53% | 1.01% | 1.48% | 12.94% | +1,125 bps | |
| Allowance / Loans | 1.10% | 1.20% | 1.74% | 1.57% | 1.98% | 2.02% | 8.34% | 5.90% | +434 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 | 14.56% | 12.21% | 11.40% | 10.31% | 9.11% | 8.20% | 0.92% | -0.44% | -1,075 bps | |
| Equity / Assets | 11.64% | 9.39% | 9.96% | 9.55% | 8.84% | 7.47% | 0.41% | -0.30% | -986 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.87% | 75.85% | 92.36% | 94.21% | 92.34% | 79.35% | 86.45% | 64.54% | -2,967 bps | |
| Liquid Assets / Assets | 7.16% | 10.88% | 0.17% | 0.43% | 1.83% | 3.20% | 6.73% | 0.61% | +18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |