Bonita Springs, FL · Cert 58557
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 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.
Bonita Springs, FL · Cert 58557
FDIC
Q1 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | -1.55% | -1.62% | -1.52% | -1.31% | -1.19% | -1.61% | -0.67% | +85 bps | |
| Return on Equity | n/a | n/a | -8.42% | -7.72% | -6.90% | -9.53% | -4.41% | +401 bps | |
| Net Interest Margin | 1.39% | 1.96% | 3.83% | 3.45% | 3.26% | 2.97% | 2.62% | -122 bps | |
| Efficiency Ratio | 201% | 169.90% | 142.48% | 133.00% | 128.46% | 126.31% | 136.17% | -632 bps | |
| Non-Interest Burden | 2.80% | 3.35% | 5.48% | 4.61% | 4.21% | 3.78% | 3.59% | -189 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 43.81% | 43.61% | 38.96% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 48.96% | 34.45% | 24.59% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 41.96% | 42.49% | 41.97% | n/a | |
| Asset Quality | |||||||||
| Nonperforming Loans / Loans | 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% | 0.00% | 0.00% | 0.00% | 0.41% | +41 bps | |
| Allowance / Loans | 1.16% | 1.29% | 1.39% | 1.49% | 1.64% | 2.55% | 2.47% | +109 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 23.40% | 19.83% | 18.18% | 16.50% | 19.85% | 17.89% | 17.84% | -35 bps | |
| Equity / Assets | 21.97% | 19.19% | 16.94% | 15.08% | 18.21% | 15.74% | 14.55% | -239 bps | |
| Liquidity & Funding | |||||||||
| Loans / Deposits | 111.81% | 117.99% | 108.04% | 118.30% | 117.33% | 111.34% | 94.81% | -1,322 bps | |
| Liquid Assets / Assets | 0.21% | 0.12% | 0.61% | 0.12% | 0.12% | 1.42% | 3.70% | +309 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |