Ocala, FL · Cert 26538
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.52% | -1.71% | -4.74% | -2.68% | -8.71% | -8.01% | -33.46% | -2,872 bps | |
| Return on Equity | 15.93% | 18.88% | -21.07% | -59.45% | -35.45% | -139.08% | -178.19% | 11541% | +1,160,006 bps | |
| Net Interest Margin | 3.22% | 3.37% | 2.17% | 1.90% | 1.73% | 1.62% | 1.39% | 1.32% | -58 bps | |
| Efficiency Ratio | 67.11% | 56.10% | 91.68% | 114.39% | 118.93% | 185.55% | 943% | 587% | +47,224 bps | |
| Non-Interest Burden | 1.77% | 1.19% | 1.89% | 2.29% | 2.16% | 2.87% | 4.05% | 7.97% | +568 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.88% | 4.44% | -11.45% | -14.95% | -14.87% | -15.60% | -15.98% | -18.62% | -366 bps | |
| Loan Growth (YoY) | 33.55% | 2.25% | -14.04% | -16.86% | -19.51% | -20.95% | -18.25% | -22.35% | -549 bps | |
| Deposit Growth (YoY) | 38.55% | 23.78% | -10.83% | -21.32% | -15.41% | -18.84% | -13.35% | -5.50% | +1,581 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 | 0.02% | 0.62% | 1.23% | 3.34% | 3.41% | 6.24% | 5.76% | 25.66% | +2,233 bps | |
| Allowance / Loans | 1.03% | 1.11% | 1.51% | 1.98% | 1.86% | 2.73% | 3.11% | 5.23% | +325 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 | 10.51% | 10.92% | 11.00% | 11.06% | 10.49% | 8.24% | 6.12% | -6.60% | -1,766 bps | |
| Equity / Assets | 7.98% | 8.16% | 8.04% | 7.88% | 7.25% | 5.22% | 3.69% | -4.57% | -1,245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.90% | 100.60% | 105.68% | 109.52% | 101.72% | 97.98% | 99.70% | 89.99% | -1,952 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |