Jacksonville, FL · Cert 27573
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.28% | -0.87% | -2.73% | -0.70% | -14.71% | -10.03% | -10.18% | -10.15% | -945 bps | |
| Return on Equity | -39.62% | -11.16% | -33.30% | -7.98% | -195.79% | -216% | -485% | 2499% | +250,719 bps | |
| Net Interest Margin | 2.77% | 2.80% | 2.96% | 3.16% | 2.85% | 2.91% | 2.51% | 2.79% | -36 bps | |
| Efficiency Ratio | 112.99% | 125.11% | 140.05% | 150.07% | 278% | 504% | 6058% | 4195% | +404,517 bps | |
| Non-Interest Burden | 3.15% | 3.53% | 4.19% | 4.79% | 4.25% | 6.17% | 8.00% | 7.11% | +232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.40% | 1.95% | -1.33% | -7.50% | -18.63% | -12.59% | -13.33% | -18.73% | -1,123 bps | |
| Loan Growth (YoY) | 2.93% | -6.21% | -9.84% | -13.50% | -16.81% | -18.00% | -19.09% | -18.94% | -544 bps | |
| Deposit Growth (YoY) | 8.32% | 3.28% | -4.34% | -7.90% | -17.44% | -8.79% | -5.95% | -9.79% | -189 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 | 0.95% | 2.43% | 9.61% | 0.77% | 7.81% | 3.40% | 9.79% | 4.97% | +420 bps | |
| Allowance / Loans | 2.50% | 2.80% | 1.56% | 1.60% | 2.10% | 3.65% | 3.09% | 4.04% | +244 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 | 10.17% | 10.13% | 10.64% | 11.02% | 8.85% | 5.77% | 2.41% | -2.38% | -1,340 bps | |
| Equity / Assets | 7.96% | 7.59% | 8.81% | 8.80% | 6.06% | 3.32% | 0.83% | -1.76% | -1,057 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.30% | 84.14% | 85.31% | 83.29% | 85.95% | 75.64% | 73.39% | 74.84% | -845 bps | |
| Liquid Assets / Assets | 0.69% | 6.81% | 0.04% | 0.05% | 0.03% | 0.04% | 0.04% | 0.06% | 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 |