Tampa, FL · Cert 27583
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.00% | -1.49% | -4.67% | -4.22% | -5.20% | -11.05% | -2.64% | -2.09% | +214 bps | |
| Return on Equity | -39.26% | -18.69% | -64.78% | -65.34% | -71.19% | -168.92% | -45.21% | -104.24% | -3,891 bps | |
| Net Interest Margin | 1.78% | 2.13% | 2.48% | 2.48% | 2.48% | 2.70% | 2.75% | 2.38% | -10 bps | |
| Efficiency Ratio | 158.53% | 132.87% | 139.26% | 145.85% | 144.30% | 143.80% | 128.74% | 220% | +7,434 bps | |
| Non-Interest Burden | 2.84% | 2.85% | 3.56% | 3.60% | 3.62% | 3.94% | 3.80% | 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 | 0.27% | 2.49% | 3.15% | 0.79% | 1.33% | 5.02% | 7.24% | 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 |