Hollywood, FL · Cert 27126
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hollywood, FL · Cert 27126
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | -0.57% | -0.58% | -8.62% | -3.31% | -6.97% | -7.99% | -6.99% | +163 bps | |
| Return on Equity | 1.48% | -3.48% | -3.62% | -59.28% | -42.26% | -101.46% | -136.64% | -138.11% | -7,882 bps | |
| Net Interest Margin | 3.29% | 3.13% | 3.08% | 3.05% | 1.80% | 1.93% | 2.01% | 2.05% | -100 bps | |
| Efficiency Ratio | 85.67% | 85.10% | 84.37% | 88.84% | 181.54% | 169.58% | 173.42% | 178.21% | +8,936 bps | |
| Non-Interest Burden | 2.91% | 2.75% | 2.68% | 9.87% | 3.24% | 3.28% | 3.50% | 3.66% | -622 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.07% | 9.05% | 11.36% | 2.19% | -3.21% | -10.20% | -15.26% | -9.20% | -1,138 bps | |
| Loan Growth (YoY) | 2.91% | 15.39% | 12.96% | 5.85% | -0.14% | -8.20% | -12.49% | -10.25% | -1,610 bps | |
| Deposit Growth (YoY) | -13.21% | 4.07% | 3.40% | 16.52% | 15.31% | -1.65% | -0.31% | -0.06% | -1,658 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 | 1.13% | 0.59% | 1.37% | 1.99% | 2.63% | 3.67% | 5.50% | 4.47% | +248 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 11.61% | 10.99% | 10.68% | 10.98% | 10.39% | 7.52% | 4.67% | 3.62% | -736 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.70% | 105.86% | 108.44% | 106.50% | 100.20% | 98.81% | 95.18% | 95.63% | -1,086 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 7.82% | 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 |