Miami, FL · Cert 25172
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | -1.48% | -0.79% | -1.13% | -3.81% | -15.20% | -8.29% | -16.68% | -1,556 bps | |
| Return on Equity | 2.63% | -14.45% | -8.77% | -13.49% | -47.05% | -271% | -309% | 5338% | +535,139 bps | |
| Net Interest Margin | 3.38% | 2.43% | 1.25% | 1.31% | 1.44% | 1.30% | 1.36% | 1.44% | +13 bps | |
| Efficiency Ratio | 62.22% | 69.01% | 101.86% | 110.51% | 99.51% | 147.82% | 133.05% | 137.88% | +2,737 bps | |
| Non-Interest Burden | 1.80% | 1.42% | 1.29% | 1.53% | 1.43% | 4.04% | 2.02% | 2.28% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.03% | 15.06% | 32.08% | 16.80% | 11.90% | 9.42% | -14.96% | -16.62% | -3,342 bps | |
| Loan Growth (YoY) | 18.11% | 8.54% | 5.16% | -1.39% | -5.06% | -9.36% | -10.93% | -19.13% | -1,774 bps | |
| Deposit Growth (YoY) | 16.47% | 18.68% | 50.40% | 27.50% | 26.62% | 28.39% | -3.75% | 0.64% | -2,686 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 | 0.21% | 4.03% | 0.06% | 1.31% | 5.58% | 14.89% | 8.31% | 21.76% | +2,045 bps | |
| Allowance / Loans | 1.53% | 1.56% | 2.02% | 2.29% | 3.20% | 4.50% | 5.77% | 7.06% | +477 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 | 12.30% | 11.83% | 11.65% | 11.99% | 11.25% | 6.29% | 3.47% | -3.74% | -1,573 bps | |
| Equity / Assets | 10.49% | 10.01% | 8.20% | 8.52% | 7.68% | 3.59% | 1.69% | -2.53% | -1,105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.19% | 106.31% | 83.34% | 90.33% | 84.87% | 75.05% | 77.13% | 72.59% | -1,775 bps | |
| Liquid Assets / Assets | 5.76% | 4.00% | 7.79% | 18.69% | 19.46% | 24.45% | 20.96% | 19.87% | +118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |