Ft.lauderdale, FL · Charter 14393
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.lauderdale, FL · Charter 14393
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.08% | -3.04% | -0.03% | -1.78% | -2.15% | -4.02% | -3.20% | -316 bps | |
| Return on Equity | -0.47% | -0.63% | -29.46% | -0.30% | -16.91% | -22.32% | -46.40% | -42.22% | -4,192 bps | |
| Net Interest Margin | 4.76% | 4.88% | 4.12% | 4.14% | 4.25% | 4.27% | 4.06% | 4.06% | -8 bps | |
| Efficiency Ratio | 88.78% | 91.32% | 95.90% | 97.47% | 97.57% | 98.14% | 102.75% | 108.93% | +1,146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.14% | -4.36% | 3.69% | 3.36% | 1.25% | 1.10% | -9.31% | -9.32% | -1,269 bps | |
| Loan Growth (YoY) | -11.93% | -13.11% | -13.42% | -11.19% | -9.83% | -7.93% | -8.05% | -14.74% | -355 bps | |
| Share Growth (YoY) | -8.42% | -5.38% | 3.34% | 3.98% | 3.69% | 4.80% | -6.06% | -6.18% | -1,016 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.11% | 2.33% | 3.74% | 2.62% | 1.78% | 6.22% | 5.11% | 4.16% | +154 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 | 1.31% | 1.23% | 1.24% | 0.70% | 3.06% | 3.62% | 5.33% | 4.53% | +384 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.03% | 12.27% | 10.31% | 11.40% | 10.51% | 9.61% | 8.66% | 7.57% | -383 bps | |
| Net Worth / Assets | 12.03% | 12.27% | 10.31% | 11.40% | 10.51% | 9.61% | 8.66% | 7.57% | -383 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.37% | 62.83% | 53.59% | 54.98% | 54.24% | 55.20% | 52.46% | 49.97% | -502 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |