Fort Myers, FL · Cert 58272
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.22% | -6.70% | -3.94% | -2.10% | -2.76% | -2.00% | -5.72% | -0.58% | +152 bps | |
| Return on Equity | -24.44% | -45.37% | -29.03% | -15.60% | -21.83% | -17.79% | -52.66% | -5.29% | +1,031 bps | |
| Net Interest Margin | 2.97% | 2.40% | 2.53% | 3.18% | 3.36% | 3.48% | 3.34% | 3.32% | +14 bps | |
| Efficiency Ratio | 185.10% | 209% | 146.74% | 124.24% | 111.16% | 105.20% | 1375% | 91.00% | -3,324 bps | |
| Non-Interest Burden | 5.70% | 5.31% | 3.80% | 4.00% | 3.76% | 3.66% | 6.84% | 2.97% | -103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.82% | 44.94% | 36.55% | 17.17% | 17.18% | 9.63% | 5.70% | 8.98% | -819 bps | |
| Loan Growth (YoY) | 55.99% | 33.14% | 21.01% | 23.40% | 22.37% | 16.87% | 11.09% | 2.51% | -2,089 bps | |
| Deposit Growth (YoY) | 32.57% | 56.00% | 47.44% | 21.31% | 23.12% | 13.70% | 8.88% | 16.20% | -511 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 | 2.37% | 0.85% | 3.70% | 0.86% | 3.40% | 1.86% | 3.70% | 1.43% | +57 bps | |
| Allowance / Loans | 1.70% | 1.63% | 1.77% | 1.89% | 1.73% | 1.90% | 1.85% | 1.84% | -4 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 | 21.21% | 18.42% | 18.92% | 17.54% | 15.97% | 15.53% | 15.65% | 15.79% | -175 bps | |
| Equity / Assets | 15.75% | 13.87% | 13.25% | 13.74% | 11.65% | 10.90% | 10.82% | 11.16% | -258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.03% | 77.47% | 76.80% | 92.49% | 81.52% | 79.63% | 78.36% | 81.59% | -1,090 bps | |
| Liquid Assets / Assets | 0.13% | 4.84% | 7.71% | 2.09% | 8.34% | 10.15% | 12.60% | 11.64% | +955 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |