Ocala, FL · Cert 27344
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 | -0.26% | -0.30% | -1.88% | -1.40% | -1.59% | -4.97% | -6.52% | -4.45% | -305 bps | |
| Return on Equity | -3.27% | -3.87% | -24.72% | -18.77% | -21.41% | -72.65% | -204% | -158.96% | -14,020 bps | |
| Net Interest Margin | 3.02% | 2.97% | 2.59% | 2.64% | 2.71% | 2.84% | 2.47% | 2.69% | +5 bps | |
| Efficiency Ratio | 97.08% | 100.65% | 129.22% | 127.27% | 123.11% | 135.79% | 145.05% | 141.49% | +1,422 bps | |
| Non-Interest Burden | 2.91% | 2.99% | 3.30% | 3.35% | 3.36% | 3.86% | 3.77% | 3.90% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.63% | -2.40% | -2.85% | -2.87% | -5.73% | -19.02% | -23.26% | -24.92% | -2,204 bps | |
| Loan Growth (YoY) | -4.29% | -2.35% | -2.31% | -5.52% | -7.34% | -12.39% | -15.73% | -18.21% | -1,268 bps | |
| Deposit Growth (YoY) | -3.74% | -1.81% | -1.23% | -1.06% | -4.21% | -15.88% | -20.12% | -22.07% | -2,100 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 | 0.78% | 0.85% | 2.74% | 2.27% | 2.65% | 4.85% | 4.83% | 3.30% | +102 bps | |
| Allowance / Loans | 1.27% | 1.27% | 1.51% | 1.50% | 1.50% | 3.64% | 4.33% | 4.71% | +321 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 | 12.41% | 12.41% | 11.48% | 11.39% | 10.61% | 6.47% | 4.58% | 3.98% | -741 bps | |
| Equity / Assets | 7.78% | 7.91% | 7.31% | 7.24% | 7.26% | 3.95% | 2.40% | 1.98% | -526 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.57% | 83.40% | 80.66% | 79.08% | 80.84% | 86.85% | 85.08% | 83.00% | +392 bps | |
| Liquid Assets / Assets | 1.24% | 0.37% | 0.21% | 0.16% | 0.17% | 0.05% | 0.05% | 0.09% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |