Orlando, FL · Charter 20508
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.65% | -0.85% | 0.00% | -0.47% | -0.17% | -0.13% | -0.35% | -35 bps | |
| Return on Equity | -3.85% | -7.38% | -10.27% | -0.02% | -6.15% | -2.32% | -1.86% | -4.87% | -484 bps | |
| Net Interest Margin | 2.85% | 2.84% | 2.88% | 3.21% | 3.12% | 3.02% | 2.96% | 3.03% | -19 bps | |
| Efficiency Ratio | 109.37% | 106.91% | 114.62% | 96.29% | 99.03% | 100.69% | 95.61% | 101.88% | +559 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | 5.68% | 8.08% | 8.16% | 6.75% | 9.92% | 10.63% | 5.07% | -309 bps | |
| Loan Growth (YoY) | 5.04% | -2.31% | 2.11% | -0.61% | -9.32% | -3.58% | -5.90% | -5.70% | -508 bps | |
| Share Growth (YoY) | 0.07% | 6.77% | 10.05% | 9.29% | 9.05% | 11.83% | 12.14% | 6.45% | -284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.39% | 2.80% | 3.47% | 2.91% | 2.12% | 2.23% | 3.05% | 3.62% | +71 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 | 0.17% | 0.56% | 0.58% | 0.67% | 0.59% | 0.71% | 0.79% | 0.87% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.31% | 8.79% | 8.32% | 8.16% | 7.71% | 7.27% | 7.12% | 7.15% | -101 bps | |
| Net Worth / Assets | 9.31% | 8.79% | 8.32% | 8.16% | 7.71% | 7.27% | 7.12% | 7.15% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.48% | 74.84% | 75.37% | 70.50% | 65.26% | 64.53% | 63.24% | 62.45% | -805 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |