Sarasota, FL · Cert 27364
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 | 0.88% | -0.53% | -0.94% | -1.85% | -2.76% | -12.10% | -14.43% | -5.54% | -369 bps | |
| Return on Equity | 8.18% | -5.04% | -9.10% | -18.98% | -30.68% | -165.04% | -331% | -288% | -26,934 bps | |
| Net Interest Margin | 3.94% | 3.36% | 3.00% | 2.80% | 2.68% | 2.09% | 1.74% | 1.86% | -94 bps | |
| Efficiency Ratio | 60.41% | 53.89% | 77.32% | 95.07% | 100.47% | 133.24% | 150.79% | 174.90% | +7,983 bps | |
| Non-Interest Burden | 2.24% | 1.66% | 2.23% | 2.64% | 2.70% | 2.87% | 2.75% | 3.33% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.70% | 4.73% | 5.08% | 4.33% | 0.38% | -2.43% | -6.18% | -5.00% | -933 bps | |
| Loan Growth (YoY) | 8.48% | 6.36% | 2.92% | -5.22% | -5.43% | -4.00% | -8.70% | -5.08% | +14 bps | |
| Deposit Growth (YoY) | 0.70% | -1.20% | -3.58% | -3.12% | -8.84% | -6.94% | 1.11% | 6.44% | +957 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 | 0.19% | 0.20% | 0.53% | 1.73% | 1.64% | 5.83% | 21.72% | -0.16% | -189 bps | |
| Allowance / Loans | 1.17% | 1.89% | 2.55% | 3.16% | 3.80% | 5.34% | 4.64% | 5.90% | +274 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 | 13.22% | 12.82% | 12.95% | 12.48% | 11.44% | 8.07% | 4.25% | 2.67% | -981 bps | |
| Equity / Assets | 10.52% | 10.45% | 10.15% | 9.35% | 8.62% | 6.00% | 2.62% | 1.23% | -812 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.08% | 101.92% | 104.34% | 103.08% | 109.02% | 105.14% | 94.22% | 91.92% | -1,116 bps | |
| Liquid Assets / Assets | 0.06% | 0.09% | 0.05% | 0.04% | 0.06% | 0.05% | 0.29% | 0.19% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |