Hollywood, FL · Cert 27126
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -1.33% | -0.60% | -32.51% | -3.31% | -10.60% | -10.05% | -3.77% | +2,875 bps | |
| Return on Equity | 1.48% | -8.43% | -3.88% | -272% | -42.26% | -172.44% | -267% | -178.11% | +9,426 bps | |
| Net Interest Margin | 3.29% | 3.22% | 3.06% | 2.47% | 1.80% | 2.03% | 2.12% | 1.88% | -60 bps | |
| Efficiency Ratio | 85.67% | 84.54% | 82.87% | 106.36% | 181.54% | 159.30% | 180.31% | 194.87% | +8,851 bps | |
| Non-Interest Burden | 2.91% | 2.80% | 2.61% | 31.04% | 3.24% | 3.27% | 3.87% | 3.62% | -2,742 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% | 0.13% | 2.93% | 3.64% | 2.63% | 4.68% | 8.81% | 1.01% | -264 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 |