Marathon, FL · Cert 22427
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Marathon, FL · Cert 22427
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | 0.87% | 0.59% | 0.42% | -0.73% | 0.31%1 | -0.63% | -4.10% | -451 bps | |
| Return on Equity | -3.30% | 14.94% | 10.38% | 7.24% | -13.09% | 6.29% | -12.32% | -91.20% | -9,843 bps | |
| Net Interest Margin | 3.23% | 2.83% | 2.35% | 2.40% | 2.23% | 1.34% | 1.37% | 1.37% | -103 bps | |
| Efficiency Ratio | 45.33% | 52.24% | 56.79% | 59.79% | 70.51% | 110.23% | 137.42% | 152.11% | +9,232 bps | |
| Non-Interest Burden | 1.31% | 1.35% | 1.24% | 1.35% | 1.51% | 1.50% | 1.92% | 2.14% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 15.68% | 13.01% | 4.26% | 8.20% | -3.48% | -7.57% | -3.93% | -819 bps | |
| Loan Growth (YoY) | 4.37% | 9.09% | 8.73% | 1.58% | -2.38% | -6.73% | -5.65% | -7.30% | -888 bps | |
| Deposit Growth (YoY) | 1.41% | 21.20% | 30.74% | 22.72% | 34.51% | 6.16% | -3.16% | 7.25% | -1,547 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 | 0.16% | 0.24% | 0.71% | 1.76% | 3.42% | 0.16% | 2.29% | 6.01% | +425 bps | |
| Allowance / Loans | 3.32% | 3.20% | 3.09% | 2.45% | 2.72% | 2.73% | 2.13% | 4.91% | +246 bps | |
| 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 | 9.37% | 9.38% | 9.59% | 10.20% | 9.05% | 9.60% | 9.86% | 1.30% | -890 bps | |
| Equity / Assets | 6.01% | 5.68% | 5.52% | 6.00% | 4.80% | 4.95% | 5.67% | 2.46% | -354 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 122.98% | 101.36% | 93.97% | 100.58% | 89.26% | 89.06% | 91.55% | 86.94% | -1,364 bps | |
| Liquid Assets / Assets | 0.03% | 0.07% | 1.66% | 0.06% | 7.11% | 9.51% | 6.79% | 7.63% | +757 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |