Bartow, FL · Cert 25266
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.31% | -4.92% | -5.12% | -15.59% | -10.73% | -443 bps | |
| Return on Equity | -74.12% | -60.50% | -67.29% | -457% | -446% | -37,194 bps | |
| Net Interest Margin | 2.98% | 3.14% | 3.24% | 2.62% | 2.73% | -25 bps | |
| Efficiency Ratio | 125.17% | 140.78% | 184.51% | 25375% | 236% | +11,071 bps | |
| Non-Interest Burden | 3.77% | 4.33% | 5.71% | 7.95% | 6.81% | +303 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.02% | -19.63% | -16.43% | -14.09% | -14.41% | +562 bps | |
| Loan Growth (YoY) | -20.99% | -25.31% | -24.90% | -27.83% | -24.31% | -332 bps | |
| Deposit Growth (YoY) | -21.81% | -20.42% | -15.74% | -5.66% | -7.99% | +1,381 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.00% | 5.53% | 5.57% | 8.62% | 8.98% | +399 bps | |
| Allowance / Loans | 2.63% | 1.46% | 3.55% | 3.93% | 3.02% | +39 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.89% | 11.02% | 9.16% | 3.62% | 0.46% | -1,043 bps | |
| Equity / Assets | 6.95% | 6.86% | 5.31% | 1.48% | 0.19% | -676 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.69% | 91.94% | 82.76% | 76.72% | 78.72% | -1,697 bps | |
| Liquid Assets / Assets | 4.50% | 5.77% | 10.92% | 20.59% | 18.64% | +1,414 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |