Tampa, FL · Cert 27583
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.32% | 1.56% | -15.09% | -4.22% | -6.11% | -23.98% | 26.91% | -2.09% | +214 bps | |
| Return on Equity | -62.05% | 19.04% | -233% | -65.34% | -66.06% | -362% | 848% | -104.24% | -3,891 bps | |
| Net Interest Margin | 1.74% | 2.68% | 2.63% | 2.48% | 2.26% | 2.67% | 2.08% | 2.38% | -10 bps | |
| Efficiency Ratio | 185.53% | 99.49% | 153.45% | 145.85% | 142.66% | 142.81% | 100.74% | 220% | +7,434 bps | |
| Non-Interest Burden | 3.12% | 2.67% | 4.46% | 3.60% | 3.33% | 3.90% | 2.12% | 5.46% | +186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.27% | -1.24% | -10.95% | -14.53% | -28.98% | -26.99% | -22.57% | -26.66% | -1,213 bps | |
| Loan Growth (YoY) | -12.41% | -13.64% | -17.66% | -17.87% | -21.48% | -20.24% | -20.49% | -19.64% | -177 bps | |
| Deposit Growth (YoY) | 16.03% | 3.79% | -6.13% | -9.10% | -29.34% | -23.50% | -16.37% | -16.41% | -731 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 | 0.00% | 6.89% | 4.41% | 0.79% | 1.82% | 12.26% | 12.41% | 3.16% | +236 bps | |
| Allowance / Loans | 3.63% | 2.26% | 8.34% | 3.56% | 6.39% | 7.55% | 6.08% | 5.42% | +186 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 | 11.35% | 12.47% | 6.82% | 12.64% | 9.15% | 5.96% | 3.98% | 3.35% | -929 bps | |
| Equity / Assets | 7.37% | 9.08% | 3.51% | 9.38% | 9.11% | 3.86% | 2.43% | 1.55% | -783 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.41% | 81.57% | 81.19% | 81.09% | 84.91% | 85.04% | 77.18% | 77.96% | -313 bps | |
| Liquid Assets / Assets | 9.09% | 3.04% | 6.46% | 5.21% | 3.09% | 12.14% | 11.24% | 16.94% | +1,173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |