Palm Harbor, FL · Cert 58578
FDIC
Q1 2012
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.34% | -1.30% | -1.96% | 0.20% | 0.52%1 | 0.55%1 | 0.50%1 | 0.19% | -1 bps | |
| Return on Equity | -5.71% | -5.85% | -9.18% | 1.13% | 2.93% | 3.08% | 2.81% | 1.00% | -13 bps | |
| Net Interest Margin | 2.72% | 2.60% | 2.84% | 3.24% | 3.10% | 3.30% | 3.35% | 3.37% | +13 bps | |
| Efficiency Ratio | 141.12% | 111.35% | 105.55% | 91.17% | 92.40% | 92.16% | 89.41% | 103.26% | +1,209 bps | |
| Non-Interest Burden | 3.86% | 2.90% | 3.00% | 2.95% | 2.86% | 3.03% | 2.98% | 3.48% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 50.76% | 43.82% | 30.99% | 43.99% | 10.19% | 2.85% | 4.69% | -5.90% | -4,989 bps | |
| Loan Growth (YoY) | 85.55% | 84.90% | 73.95% | 48.55% | 4.29% | -2.85% | -1.28% | 3.27% | -4,527 bps | |
| Deposit Growth (YoY) | 76.84% | 68.72% | 47.17% | 63.19% | 19.27% | 4.16% | 4.95% | -7.94% | -7,113 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% | 1.14% | 1.41% | 0.80% | 1.55% | 1.10% | 0.77% | -0.58% | -138 bps | |
| Allowance / Loans | 1.60% | 1.50% | 2.92% | 2.91% | 2.18% | 2.09% | 2.11% | 2.13% | -78 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 | 23.50% | 22.27% | 20.82% | 20.91% | 20.55% | 21.41% | 21.62% | 21.89% | +98 bps | |
| Equity / Assets | 20.07% | 19.24% | 18.44% | 17.08% | 17.48% | 18.24% | 18.28% | 18.86% | +177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.73% | 92.87% | 92.94% | 79.57% | 87.20% | 86.62% | 87.42% | 89.26% | +969 bps | |
| Liquid Assets / Assets | 0.74% | 1.82% | 1.73% | 1.58% | 1.59% | 1.68% | 0.24% | 0.00% | -157 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |