Miami, FL · Cert 19040
FDIC
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.
Miami, FL · Cert 19040
FDIC
Q3 2010
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.48% | -1.41% | -1.69% | -6.98% | -7.40% | -4.40% | -6.20% | -7.22% | -23 bps | |
| Return on Equity | -36.30% | -14.26% | -17.34% | -75.92% | -85.13% | -74.15% | -117.18% | -178.27% | -10,236 bps | |
| Net Interest Margin | 2.84% | 2.23% | 2.01% | 2.10% | 2.35% | 2.30% | 2.18% | 2.25% | +15 bps | |
| Efficiency Ratio | 101.53% | 102.92% | 127.97% | 157.91% | 198.49% | 207% | 192.84% | 218% | +5,966 bps | |
| Non-Interest Burden | 2.89% | 2.32% | 2.72% | 3.37% | 4.40% | 4.61% | 4.46% | 4.96% | +159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.52% | -17.10% | -15.55% | -13.73% | -22.88% | -30.01% | -29.69% | -26.32% | -1,259 bps | |
| Loan Growth (YoY) | -19.12% | -19.64% | -22.95% | -21.93% | -23.40% | -24.52% | -21.87% | -21.77% | +16 bps | |
| Deposit Growth (YoY) | -4.23% | 9.61% | 18.59% | 31.73% | -2.98% | -18.60% | -19.48% | -17.85% | -4,958 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 | 5.47% | 2.78% | 4.69% | 5.10% | 7.01% | 7.21% | 6.42% | 7.73% | +263 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 13.66% | 10.49% | 10.02% | 10.46% | 9.44% | 8.36% | 6.44% | 3.61% | -685 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.09% | 103.90% | 95.98% | 92.00% | 93.23% | 96.35% | 93.14% | 87.61% | -439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 4.86% | 3.82% | 3.83% | 4.18% | 4.21% | 0.00% | -382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |