Fort Myers, FL · Cert 58272
FDIC
Q4 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 | 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% | -5.53% | -4.99% | -4.28% | -2.76% | -2.38% | -3.55% | -2.82% | +146 bps | |
| Return on Equity | -24.44% | -34.52% | -32.68% | -28.64% | -21.83% | -19.83% | -30.32% | -24.28% | +435 bps | |
| Net Interest Margin | 2.97% | 2.44% | 2.38% | 2.68% | 3.36% | 3.28% | 3.30% | 3.36% | +68 bps | |
| Efficiency Ratio | 185.10% | 197.10% | 179.44% | 163.29% | 111.16% | 108.12% | 157.80% | 134.35% | -2,894 bps | |
| Non-Interest Burden | 5.70% | 5.03% | 4.45% | 4.52% | 3.76% | 3.56% | 4.65% | 4.31% | -21 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% | 1.55% | 2.24% | 1.78% | 3.40% | 2.62% | 3.02% | 2.64% | +87 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 |