Fort Myers, FL · Cert 58129
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Fort Myers, FL · Cert 58129
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.28% | -1.10% | -0.73% | -3.62% | 2.62%1 | 0.85%1 | 0.38%1 | 1.96% | +558 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 50.63% | 16.12% | 6.95% | 33.87% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.18% | 2.36% | 2.28% | 2.29% | 2.29% | -89 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 139.54% | 111.74% | 126.13% | 126.27% | 122.49% | -1,705 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 4.13% | 2.64% | 2.84% | 2.89% | 2.82% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.19% | -14.53% | -14.53% | -19.35% | -22.19% | -21.54% | -22.46% | -13.94% | +541 bps | |
| Loan Growth (YoY) | -30.11% | -28.65% | -25.40% | -30.47% | -24.37% | -32.88% | -28.35% | -26.20% | +427 bps | |
| Deposit Growth (YoY) | -0.39% | -1.33% | -1.47% | -17.70% | -20.62% | -19.57% | -21.74% | -16.63% | +107 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 | n/a | n/a | n/a | 4.65% | 0.45% | -0.38% | -1.83% | -4.05% | -870 bps | |
| Allowance / Loans | n/a | n/a | n/a | 10.68% | 11.08% | 13.62% | 15.63% | 14.10% | +341 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 | n/a | n/a | n/a | 9.52% | 11.04% | 12.10% | 12.32% | 16.32% | +680 bps | |
| Equity / Assets | n/a | n/a | n/a | 4.97% | 5.37% | 5.55% | 5.78% | 7.47% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.73% | 53.88% | 49.17% | 50.11% | 50.24% | 44.96% | 45.02% | 44.36% | -575 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.19% | 9.63% | 3.28% | 3.72% | 3.80% | +361 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |