Lakeland, FL · Charter 23079
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.11% | 0.85% | 0.71% | 0.97% | 0.96% | 0.90% | 1.05% | +34 bps | |
| Return on Equity | 12.86% | 12.30% | 9.83% | 8.36% | 10.53% | 10.20% | 10.67% | 12.28% | +392 bps | |
| Net Interest Margin | 2.48% | 2.53% | 2.59% | 2.77% | 2.96% | 3.02% | 3.15% | 3.11% | +34 bps | |
| Efficiency Ratio | 69.27% | 69.07% | 71.21% | 67.57% | 65.10% | 64.38% | 66.88% | 56.76% | -1,081 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.68% | 12.20% | 15.18% | 14.10% | 5.84% | 6.80% | 5.50% | 4.71% | -939 bps | |
| Loan Growth (YoY) | 8.64% | 7.65% | 9.29% | 8.51% | 11.71% | 11.45% | 9.30% | 6.72% | -179 bps | |
| Share Growth (YoY) | 9.45% | 11.55% | 10.49% | 7.05% | 4.17% | 1.91% | 2.96% | 4.79% | -226 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.15% | 0.11% | 0.09% | 0.31% | 0.37% | 0.57% | 0.80% | +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 | 0.59% | 0.63% | 0.66% | 0.98% | 1.04% | 1.21% | 1.31% | 2.09% | +111 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.69% | 9.05% | 8.65% | 8.53% | 9.18% | 9.44% | 8.44% | 8.55% | +2 bps | |
| Net Worth / Assets | 8.69% | 9.05% | 8.65% | 8.53% | 9.18% | 9.44% | 8.44% | 8.55% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.76% | 74.32% | 70.73% | 72.46% | 80.17% | 81.28% | 75.09% | 73.79% | +133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |