Stuart, FL · Charter 67607
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Stuart, FL · Charter 67607
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.87% | 0.08% | -0.25% | -5.43% | -0.67% | -0.91% | -12.35% | -1,209 bps | |
| Return on Equity | 1.71% | 7.32% | 0.62% | -2.17% | -69.98% | -8.17% | -11.85% | n/a | n/a | |
| Net Interest Margin | 4.72% | 5.01% | 5.07% | 5.27% | 5.28% | 4.83% | 4.57% | 5.13% | -14 bps | |
| Efficiency Ratio | 96.83% | 86.35% | 98.83% | 103.86% | 104.22% | 111.14% | 116.01% | 211% | +10,679 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.35% | -7.42% | -5.01% | -12.32% | -11.89% | -2.88% | 1.98% | -7.75% | +457 bps | |
| Loan Growth (YoY) | -8.30% | -6.39% | -6.06% | -3.02% | -0.60% | -5.07% | -6.27% | -6.76% | -374 bps | |
| Share Growth (YoY) | -11.92% | -3.73% | -4.54% | -12.30% | -8.63% | 1.18% | 8.19% | 1.11% | +1,341 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.73% | 0.52% | 4.56% | 3.23% | 1.28% | 0.31% | 2.66% | 3.20% | -3 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 | 6.81% | 4.07% | 4.09% | 4.49% | 6.91% | 4.86% | 5.00% | 9.57% | +508 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.17% | 11.89% | 12.20% | 11.64% | 7.76% | 8.15% | 7.69% | 0.00% | -1,164 bps | |
| Net Worth / Assets | 11.17% | 11.89% | 12.20% | 11.64% | 7.76% | 8.15% | 7.69% | 0.00% | -1,164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.59% | 94.63% | 96.53% | 96.56% | 97.46% | 88.79% | 83.62% | 89.04% | -752 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |