Apollo Beach, FL · Cert 58056
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 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.
Apollo Beach, FL · Cert 58056
FDIC
Q2 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.44% | -7.61% | -0.91% | -1.88% | -2.33% | -1.94% | -7.37% | -9.33% | -745 bps | |
| Return on Equity | -28.68% | -70.47% | -15.93% | -34.74% | -45.77% | -40.59% | -273% | -566% | -53,114 bps | |
| Net Interest Margin | 2.75% | 2.95% | 3.16% | 3.08% | 3.20% | 3.17% | 2.43% | 2.82% | -27 bps | |
| Efficiency Ratio | 151.06% | 151.43% | 112.28% | 116.65% | 97.16% | 102.44% | 164.44% | 178.00% | +6,135 bps | |
| Non-Interest Burden | 4.08% | 4.40% | 3.60% | 3.66% | 3.07% | 3.27% | 4.22% | 5.07% | +141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | -0.59% | 2.08% | -9.27% | -5.25% | 0.64% | -8.60% | -13.38% | -411 bps | |
| Loan Growth (YoY) | -3.55% | -7.39% | -7.97% | -3.19% | -10.26% | -14.09% | -18.04% | -13.96% | -1,077 bps | |
| Deposit Growth (YoY) | 2.14% | 8.07% | 11.13% | -3.58% | 1.80% | 3.28% | -5.11% | -8.33% | -475 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 | 6.36% | 4.71% | 0.00% | 2.04% | 6.56% | 5.07% | 0.00% | 0.00% | -204 bps | |
| Allowance / Loans | 2.90% | 3.43% | 3.54% | 3.76% | 2.05% | 2.13% | 4.36% | 7.39% | +363 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 | 9.10% | 7.89% | 7.82% | 7.19% | 6.31% | 6.08% | 3.89% | -0.95% | -813 bps | |
| Equity / Assets | 11.04% | 5.95% | 5.48% | 4.77% | 4.10% | 3.51% | 1.85% | -0.79% | -555 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.12% | 82.84% | 80.03% | 81.61% | 76.80% | 68.91% | 69.12% | 76.60% | -501 bps | |
| Liquid Assets / Assets | 2.06% | 4.11% | 3.94% | 7.70% | 5.93% | 13.34% | 15.16% | 8.50% | +81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |