Zephyrhills, FL · Cert 32699
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 | -0.64% | -0.45% | -1.28% | -3.13% | -3.70% | 0.05%1 | -0.57% | -1.03% | +210 bps | |
| Return on Equity | -5.11% | -3.73% | -11.00% | -25.83% | -31.22% | 0.44% | -5.22% | -9.67% | +1,617 bps | |
| Net Interest Margin | 2.88% | 2.68% | 2.88% | 3.30% | 2.98% | 3.07% | 2.82% | 2.75% | -55 bps | |
| Efficiency Ratio | 93.48% | 92.97% | 115.57% | 92.38% | 139.06% | 88.36% | 92.84% | 114.00% | +2,162 bps | |
| Non-Interest Burden | 2.78% | 2.56% | 3.47% | 3.12% | 5.77% | 2.66% | 2.59% | 3.22% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.25% | -3.11% | -0.73% | -1.72% | 4.32% | -2.73% | 1.65% | 6.22% | +794 bps | |
| Loan Growth (YoY) | -4.44% | -4.14% | -2.60% | -12.32% | -13.61% | -11.72% | -14.85% | -16.75% | -442 bps | |
| Deposit Growth (YoY) | -8.76% | -0.64% | -6.85% | 2.83% | 14.30% | 3.00% | 19.11% | 12.32% | +949 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 | 1.12% | 0.81% | 0.23% | 10.08% | 2.03% | 1.70% | 1.68% | 3.44% | -664 bps | |
| Allowance / Loans | 1.58% | 1.76% | 2.26% | 2.02% | 2.81% | 2.97% | 3.20% | 3.29% | +127 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 | 13.34% | 13.21% | 13.24% | 13.99% | 13.95% | 14.17% | 14.01% | 14.45% | +46 bps | |
| Equity / Assets | 12.63% | 11.57% | 11.68% | 12.57% | 11.19% | 10.91% | 10.85% | 10.51% | -206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.71% | 79.27% | 92.67% | 79.05% | 71.58% | 67.95% | 66.26% | 58.59% | -2,046 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.01% | 0.00% | 5.63% | 7.73% | 5.99% | 4.12% | +412 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |