Sarasota, FL · Cert 27364
FDIC
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.56% | -0.94% | -1.39% | -1.85% | -4.41% | -14.43% | -9.97% | -858 bps | |
| Return on Equity | 8.71% | 5.25% | -9.10% | -13.94% | -19.15% | -49.41% | -331% | -300% | -28,620 bps | |
| Net Interest Margin | 3.93% | 3.67% | 3.00% | 2.92% | 2.81% | 2.60% | 1.74% | 1.82% | -110 bps | |
| Efficiency Ratio | 59.93% | 58.54% | 77.32% | 85.78% | 90.32% | 99.09% | 150.79% | 162.64% | +7,686 bps | |
| Non-Interest Burden | 2.21% | 2.01% | 2.23% | 2.45% | 2.51% | 2.57% | 2.75% | 3.07% | +62 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 | 0.14% | 0.15% | 0.53% | 1.14% | 1.30% | 2.43% | 21.72% | 10.69% | +955 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 |