Lantana, FL · Cert 32536
FDIC
Q2 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.01% | -2.53% | -1.92% | -2.05% | -2.94% | -4.84% | -6.88% | -8.95% | -690 bps | |
| Return on Equity | -11.97% | -30.88% | -27.88% | -30.01% | -43.84% | -81.74% | -383% | -1103% | -107,306 bps | |
| Net Interest Margin | 3.06% | 2.89% | 1.45% | 1.75% | 1.91% | 1.97% | 1.73% | 1.72% | -3 bps | |
| Efficiency Ratio | 70.93% | 80.95% | 134.87% | 129.22% | 129.64% | 131.01% | 112.43% | 143.13% | +1,391 bps | |
| Non-Interest Burden | 2.03% | 2.29% | 2.01% | 2.32% | 2.53% | 2.64% | 2.02% | 2.62% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.22% | 2.43% | 7.53% | -0.94% | -4.08% | -3.62% | -3.40% | -6.38% | -544 bps | |
| Loan Growth (YoY) | -8.59% | -11.05% | -11.57% | -11.44% | -11.03% | -11.16% | -14.30% | -18.91% | -747 bps | |
| Deposit Growth (YoY) | 5.81% | 8.55% | 11.50% | -1.38% | -2.81% | 1.29% | 2.73% | 4.39% | +577 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 | 1.72% | 2.53% | 1.31% | 4.59% | 5.15% | 5.65% | 5.53% | 12.64% | +804 bps | |
| Allowance / Loans | 2.65% | 3.74% | 4.03% | 2.62% | 2.61% | 4.18% | 5.36% | 4.69% | +207 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 | 11.91% | 11.52% | 11.40% | 11.19% | 11.22% | 7.61% | 5.53% | -1.34% | -1,254 bps | |
| Equity / Assets | 7.82% | 7.23% | 6.57% | 6.66% | 6.32% | 2.71% | 0.93% | -1.39% | -805 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.89% | 85.11% | 79.06% | 87.76% | 84.11% | 74.65% | 65.95% | 68.17% | -1,959 bps | |
| Liquid Assets / Assets | 4.89% | 2.35% | 4.39% | 2.32% | 2.66% | 13.01% | 15.68% | 12.59% | +1,028 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |