Tampa, FL · Cert 32251
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 | -27.87% | -1.14% | -0.94% | -2.78% | -21.84% | -1.03% | -5.30% | -4.85% | -207 bps | |
| Return on Equity | -182.06% | -10.24% | -9.63% | -32.18% | -381% | -35.99% | -252% | -456% | -42,402 bps | |
| Net Interest Margin | 2.40% | 1.63% | 1.97% | 2.26% | 3.37% | 2.55% | 2.71% | 2.60% | +33 bps | |
| Efficiency Ratio | 159.22% | 205% | 175.76% | 149.71% | 110.42% | 117.88% | 154.20% | 167.41% | +1,770 bps | |
| Non-Interest Burden | 24.93% | 3.33% | 3.37% | 3.36% | 3.74% | 3.05% | 4.22% | 4.41% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.34% | 50.91% | 50.66% | 28.29% | 20.17% | 9.27% | -10.59% | -24.66% | -5,295 bps | |
| Loan Growth (YoY) | 55.94% | 41.07% | 47.43% | 24.87% | 31.29% | 21.29% | -10.84% | -24.76% | -4,963 bps | |
| Deposit Growth (YoY) | 76.18% | 90.45% | 78.55% | 57.92% | 47.50% | 25.92% | 0.51% | -19.26% | -7,718 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 | 11.06% | -0.03% | 0.08% | 0.20% | 1.11% | 8.55% | 11.15% | 14.80% | +1,459 bps | |
| Allowance / Loans | 1.50% | 1.48% | 1.31% | 2.09% | 6.79% | 5.15% | 4.58% | 2.20% | +11 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 | 16.61% | 15.08% | 12.42% | 10.41% | 5.16% | 4.87% | 3.32% | 0.93% | -948 bps | |
| Equity / Assets | 11.84% | 10.49% | 9.06% | 8.23% | 3.10% | 2.62% | 1.55% | 0.50% | -773 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.77% | 100.51% | 97.04% | 100.05% | 101.27% | 96.82% | 86.08% | 93.24% | -682 bps | |
| Liquid Assets / Assets | 0.58% | 0.32% | 0.00% | 9.01% | 7.43% | 1.99% | 18.92% | 10.10% | +109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |