Naples, FL · Cert 58336
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Naples, FL · Cert 58336
FDIC
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -1.04% | -1.35% | -2.34% | -4.85% | -3.66% | -21.40% | -20.51% | -1,817 bps | |
| Return on Equity | -3.59% | -7.50% | -9.81% | -17.87% | -37.63% | -31.55% | -251% | -335% | -31,673 bps | |
| Net Interest Margin | 3.03% | 2.83% | 2.53% | 2.41% | 2.17% | 1.42% | 0.97% | 0.98% | -143 bps | |
| Efficiency Ratio | 113.99% | 147.41% | 163.99% | 165.42% | 182.23% | 271% | 412% | 520% | +35,480 bps | |
| Non-Interest Burden | 3.45% | 4.18% | 4.16% | 4.01% | 3.99% | 4.03% | 4.14% | 5.27% | +125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.13% | 17.91% | 13.77% | 8.82% | -2.25% | -6.98% | -11.12% | -30.34% | -3,916 bps | |
| Loan Growth (YoY) | 84.66% | 68.23% | 39.01% | 46.34% | 7.39% | -3.05% | -12.41% | -24.40% | -7,074 bps | |
| Deposit Growth (YoY) | 35.32% | 23.48% | 20.22% | 13.64% | -0.94% | -5.54% | 2.59% | -18.27% | -3,191 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% | 0.87% | 0.72% | 0.33% | 14.37% | 20.39% | +1,952 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.37% | 2.20% | 7.89% | 8.89% | 7.55% | 4.68% | +249 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 | 16.29% | 14.95% | 14.31% | 11.84% | 10.22% | 8.70% | 3.27% | -3.24% | -1,508 bps | |
| Equity / Assets | 14.31% | 13.48% | 13.56% | 11.23% | 12.00% | 11.17% | 1.85% | -2.69% | -1,392 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.82% | 95.50% | 101.87% | 93.96% | 99.55% | 98.02% | 86.98% | 86.91% | -704 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | 0.98% | 0.02% | 0.02% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |