Miami, FL · Cert 25580
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 | 0.15% | -0.61% | -1.80% | -1.77% | -1.37% | -0.45% | 0.44% | 0.52% | +229 bps | |
| Return on Equity | 1.43% | -5.57% | -16.78% | -17.17% | -13.61% | -4.47% | 4.51% | 5.20% | +2,237 bps | |
| Net Interest Margin | 3.98% | 4.19% | 3.31% | 3.01% | 2.98% | 2.96% | 3.37% | 3.50% | +49 bps | |
| Efficiency Ratio | 71.15% | 73.84% | 84.59% | 90.79% | 94.76% | 83.76% | 71.19% | 69.67% | -2,112 bps | |
| Non-Interest Burden | 2.57% | 2.83% | 2.68% | 2.66% | 2.79% | 2.36% | 2.18% | 2.21% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.41% | -20.01% | -7.96% | -4.44% | 8.08% | 18.83% | 2.55% | 0.83% | +526 bps | |
| Loan Growth (YoY) | -14.37% | -21.81% | -24.81% | -18.69% | -12.51% | -2.10% | -3.76% | -1.71% | +1,698 bps | |
| Deposit Growth (YoY) | -17.43% | -21.56% | -2.21% | -3.30% | 10.91% | 24.39% | 6.18% | 2.93% | +623 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 | 0.14% | 3.42% | 4.30% | 2.11% | 1.65% | 1.65% | 3.23% | 1.55% | -56 bps | |
| Allowance / Loans | 2.70% | 1.83% | 2.18% | 2.55% | 2.50% | 2.18% | 1.75% | 1.96% | -58 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 | 16.30% | 16.60% | 16.54% | 17.39% | 17.19% | 17.50% | 16.76% | 16.21% | -118 bps | |
| Equity / Assets | 11.75% | 11.91% | 9.74% | 9.42% | 9.40% | 9.75% | 9.94% | 10.51% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.82% | 92.21% | 73.06% | 70.57% | 70.86% | 72.57% | 66.21% | 67.38% | -318 bps | |
| Liquid Assets / Assets | 0.26% | 3.55% | 21.00% | 25.56% | 27.18% | 15.31% | 9.15% | 7.47% | -1,810 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |