Milton, FL · Cert 25155
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.62% | -3.00% | -3.90% | -2.46% | -3.60% | -2.80% | -6.95% | -2.30% | +16 bps | |
| Return on Equity | -18.60% | -34.35% | -46.85% | -30.46% | -46.54% | -39.49% | -116.21% | -46.28% | -1,582 bps | |
| Net Interest Margin | 1.87% | 2.02% | 2.06% | 1.73% | 1.76% | 2.04% | 1.70% | 1.66% | -8 bps | |
| Efficiency Ratio | 179.23% | 201% | 269% | 136.86% | 209% | 269% | 439% | 258% | +12,127 bps | |
| Non-Interest Burden | 3.60% | 4.42% | 6.15% | 2.70% | 4.38% | 5.72% | 7.19% | 4.69% | +199 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.14% | -15.52% | -21.13% | -20.84% | -18.02% | -15.92% | -14.09% | -10.63% | +1,020 bps | |
| Loan Growth (YoY) | -18.91% | -19.51% | -17.43% | -19.56% | -23.29% | -20.76% | -21.76% | -17.25% | +230 bps | |
| Deposit Growth (YoY) | -5.57% | -13.29% | -19.23% | -20.49% | -16.17% | -13.91% | -11.11% | -6.90% | +1,358 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 | 0.68% | 4.63% | 4.21% | 3.67% | 6.35% | 2.60% | 16.07% | 1.10% | -257 bps | |
| Allowance / Loans | 4.30% | 4.27% | 4.27% | 4.89% | 5.01% | 4.76% | 3.31% | 3.35% | -154 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 | 10.89% | 10.86% | 8.78% | 8.36% | 7.35% | 6.57% | 4.80% | 4.75% | -361 bps | |
| Equity / Assets | 8.92% | 8.57% | 8.09% | 8.06% | 7.42% | 6.75% | 5.19% | 4.76% | -330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.49% | 76.51% | 75.85% | 74.71% | 69.99% | 70.43% | 66.76% | 66.41% | -831 bps | |
| Liquid Assets / Assets | 5.12% | 6.82% | 5.12% | 4.22% | 6.32% | 9.46% | 14.36% | 15.88% | +1,166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |