Tampa, FL · Cert 32251
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 | -8.24% | -1.14% | -1.03% | -1.67% | -7.04% | -1.03% | -3.14% | -3.69% | -202 bps | |
| Return on Equity | n/a | -10.24% | -9.93% | -17.12% | -83.81% | -35.99% | -128.63% | -182.10% | -16,498 bps | |
| Net Interest Margin | 2.26% | 1.63% | 1.71% | 1.79% | 2.22% | 2.55% | 2.72% | 2.87% | +108 bps | |
| Efficiency Ratio | 128.95% | 205% | 188.42% | 172.01% | 147.97% | 117.88% | 135.80% | 145.29% | -2,673 bps | |
| Non-Interest Burden | 8.21% | 3.33% | 3.16% | 3.04% | 3.28% | 3.05% | 3.74% | 4.23% | +119 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 | 2.85% | -0.03% | 0.03% | 0.08% | 0.34% | 8.55% | 10.73% | 12.63% | +1,255 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 |