Naples, FL · Cert 58553
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07%1 | -3.89% | -2.51% | -2.90% | 0.41% | -2.23% | -1.51% | -1.42% | +149 bps | |
| Return on Equity | 0.55% | -30.61% | -20.55% | -25.45% | 4.85% | -28.13% | -19.67% | -18.81% | +664 bps | |
| Net Interest Margin | 3.13% | 3.24% | 3.24% | 3.02% | 2.93% | 3.11% | 3.25% | 3.43% | +41 bps | |
| Efficiency Ratio | 98.47% | 107.59% | 104.45% | 118.14% | 86.75% | 88.69% | 92.70% | 100.21% | -1,792 bps | |
| Non-Interest Burden | 3.08% | 3.48% | 3.39% | 3.57% | 2.53% | 2.75% | 3.01% | 3.43% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.27% | 21.38% | 28.95% | 20.58% | 17.24% | 6.99% | 0.21% | -15.94% | -3,652 bps | |
| Loan Growth (YoY) | 14.14% | 14.36% | 16.98% | 16.65% | 2.24% | 3.90% | -2.32% | -7.40% | -2,405 bps | |
| Deposit Growth (YoY) | 21.28% | 27.83% | 38.30% | 29.76% | 29.41% | 17.90% | 8.85% | -11.88% | -4,164 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 | -0.23% | 4.33% | 3.62% | 3.30% | -0.32% | 3.93% | 2.59% | 1.86% | -144 bps | |
| Allowance / Loans | 1.87% | 2.48% | 2.07% | 2.56% | 2.83% | 2.83% | 2.87% | 3.13% | +57 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 | 21.03% | 18.41% | 17.17% | 15.35% | 15.47% | 14.18% | 14.48% | 15.11% | -24 bps | |
| Equity / Assets | 13.11% | 11.29% | 10.81% | 8.66% | 8.39% | 6.68% | 6.80% | 6.99% | -167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.97% | 81.11% | 80.13% | 73.25% | 63.97% | 71.48% | 71.91% | 76.98% | +373 bps | |
| Liquid Assets / Assets | 6.95% | 2.61% | 0.70% | 4.85% | 1.52% | 2.86% | 2.78% | 2.10% | -276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |