Jacksonville, FL · Cert 27573
FDIC
Q3 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -0.87% | -1.79% | -1.44% | -4.53% | -10.03% | -10.19% | -10.24% | -880 bps | |
| Return on Equity | -9.57% | -11.16% | -22.02% | -17.34% | -57.47% | -216% | -300% | -465% | -44,766 bps | |
| Net Interest Margin | 3.10% | 2.80% | 2.89% | 3.10% | 3.10% | 2.91% | 2.76% | 2.85% | -24 bps | |
| Efficiency Ratio | 97.27% | 125.11% | 132.73% | 138.59% | 148.84% | 504% | 6058% | 5306% | +516,718 bps | |
| Non-Interest Burden | 3.01% | 3.53% | 3.87% | 4.34% | 4.41% | 6.17% | 7.19% | 7.39% | +305 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 | 0.69% | 2.43% | 6.06% | 4.51% | 5.56% | 3.40% | 6.68% | 6.34% | +183 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 |