Venice, FL · Cert 27183
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.58% | -1.49% | -1.84% | -1.78% | -3.96% | -5.06% | -26.15% | -11.86% | -1,008 bps | |
| Return on Equity | -6.24% | -17.05% | -22.89% | -22.95% | -46.01% | -56.87% | -486% | -1683% | -166,030 bps | |
| Net Interest Margin | 4.63% | 4.10% | 3.80% | 3.17% | 3.61% | 2.97% | 2.74% | 2.41% | -76 bps | |
| Efficiency Ratio | 73.88% | 73.93% | 87.18% | 102.90% | 107.88% | 149.89% | 323% | 2548% | +244,538 bps | |
| Non-Interest Burden | 3.29% | 2.88% | 3.22% | 3.28% | 3.94% | 4.75% | 5.70% | 8.13% | +485 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.94% | -3.39% | -0.40% | -4.04% | -3.59% | -8.15% | -16.01% | -10.39% | -635 bps | |
| Loan Growth (YoY) | 0.80% | 4.95% | 3.15% | -3.81% | -9.10% | -12.35% | -16.06% | -13.95% | -1,014 bps | |
| Deposit Growth (YoY) | -3.01% | -3.36% | 0.44% | -2.80% | -7.67% | -7.43% | -10.32% | -0.80% | +200 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 | 0.48% | 4.63% | 0.31% | 2.78% | 2.87% | 4.47% | 16.98% | 5.92% | +314 bps | |
| Allowance / Loans | 1.41% | 0.98% | 1.63% | 1.55% | 1.95% | 1.86% | 4.79% | 5.31% | +376 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 | 12.27% | 11.15% | 11.24% | 11.51% | 13.33% | 12.00% | 3.91% | -1.22% | -1,273 bps | |
| Equity / Assets | 9.09% | 8.40% | 7.65% | 7.87% | 9.34% | 8.44% | 2.17% | -0.81% | -868 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.04% | 99.59% | 92.56% | 96.32% | 102.43% | 94.29% | 86.63% | 83.56% | -1,277 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 |