Miami, FL · Cert 25172
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.06% | -0.79% | -0.98% | -1.92% | -5.22% | -8.29% | -12.29% | -1,131 bps | |
| Return on Equity | 5.69% | 0.60% | -8.77% | -11.09% | -22.42% | -69.01% | -309% | -1107% | -109,596 bps | |
| Net Interest Margin | 3.35% | 3.06% | 1.25% | 1.26% | 1.36% | 1.32% | 1.36% | 1.47% | +20 bps | |
| Efficiency Ratio | 61.72% | 63.27% | 101.86% | 106.21% | 103.93% | 147.82% | 133.05% | 135.48% | +2,928 bps | |
| Non-Interest Burden | 1.77% | 1.65% | 1.29% | 1.39% | 1.44% | 2.07% | 2.02% | 2.24% | +85 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 | 0.22% | 1.17% | 0.06% | 0.68% | 2.33% | 5.54% | 8.31% | 15.48% | +1,480 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 |