Ft. Myers, FL · Charter 67522
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Ft. Myers, FL · Charter 67522
Q1 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.62% | 0.44% | -0.86% | 0.52% | 0.65% | 0.53% | 0.46% | -0.92% | -144 bps | |
| Return on Equity | -6.98% | 1.88% | -3.67% | 2.21% | 2.84% | 2.41% | 2.15% | -4.80% | -701 bps | |
| Net Interest Margin | 4.31% | 3.90% | 3.99% | 3.22% | 3.11% | 2.91% | 2.72% | 1.99% | -123 bps | |
| Efficiency Ratio | 106.47% | 101.64% | 106.96% | 90.06% | 87.96% | 89.72% | 90.69% | 128.62% | +3,855 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.48% | 0.62% | -6.86% | -1.42% | 1.27% | 6.30% | 12.98% | 22.19% | +2,361 bps | |
| Loan Growth (YoY) | -24.79% | -20.97% | -27.70% | -31.76% | -27.09% | -34.30% | -30.97% | -28.08% | +368 bps | |
| Share Growth (YoY) | 7.22% | 2.44% | -7.55% | -0.57% | 1.92% | 8.01% | 16.32% | 28.93% | +2,950 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.05% | 0.87% | 0.91% | 2.63% | 2.98% | 4.06% | 3.03% | +212 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.99% | 2.19% | 2.28% | 2.69% | 2.91% | 3.03% | 3.27% | 3.59% | +90 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.25% | 23.26% | 23.46% | 23.44% | 22.78% | 22.01% | 21.33% | 19.26% | -417 bps | |
| Net Worth / Assets | 23.25% | 23.26% | 23.46% | 23.44% | 22.78% | 22.01% | 21.33% | 19.26% | -417 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.94% | 50.90% | 46.44% | 40.28% | 36.44% | 30.96% | 27.56% | 22.47% | -1,781 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |