Miami, FL · Cert 22846
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 | -0.82% | -0.31% | -0.46% | -1.72% | -4.40% | -9.65% | -8.09% | -7.46% | -574 bps | |
| Return on Equity | -10.58% | -3.57% | -5.51% | -21.91% | -64.31% | 17933% | 916% | 508% | +52,992 bps | |
| Net Interest Margin | 2.59% | 2.86% | 3.17% | 3.34% | 3.70% | 2.90% | 2.75% | 2.79% | -56 bps | |
| Efficiency Ratio | 117.94% | 113.62% | 100.96% | 102.78% | 113.73% | 190.92% | 277% | 225% | +12,192 bps | |
| Non-Interest Burden | 3.38% | 3.38% | 3.29% | 3.53% | 5.26% | 6.53% | 6.84% | 6.16% | +262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.35% | -12.60% | -12.32% | -15.61% | -23.66% | -22.94% | -25.57% | -18.84% | -323 bps | |
| Loan Growth (YoY) | -12.05% | -11.03% | -10.85% | -15.30% | -18.81% | -18.45% | -20.75% | -14.20% | +110 bps | |
| Deposit Growth (YoY) | -13.34% | -12.69% | -13.20% | -16.57% | -18.08% | -12.48% | -16.64% | -8.01% | +856 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 | 0.30% | 0.38% | 0.45% | 1.21% | 1.58% | 2.92% | 2.36% | 2.88% | +167 bps | |
| Allowance / Loans | n/a | 1.64% | 1.81% | 2.12% | 2.66% | 3.15% | 2.98% | 2.18% | +6 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 | 15.62% | 15.67% | 15.16% | 14.53% | 12.30% | 6.56% | 4.34% | 1.99% | -1,254 bps | |
| Equity / Assets | n/a | 8.63% | 7.31% | 6.40% | 1.87% | -2.02% | -2.69% | -3.35% | -975 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.72% | 104.80% | 103.47% | 103.76% | 100.82% | 97.65% | 98.37% | 96.78% | -698 bps | |
| Liquid Assets / Assets | 0.00% | 3.25% | 3.18% | 5.30% | 2.14% | 6.20% | 5.28% | 6.75% | +145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |