Marathon, FL · Cert 33996
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.82% | 0.64% | 0.42% | -0.51% | -1.88% | 0.59% | -0.22% | -65 bps | |
| Return on Equity | 8.94% | 8.62% | 6.40% | 4.05% | -4.97% | -18.60% | 5.84% | -2.21% | -627 bps | |
| Net Interest Margin | 4.09% | 3.75% | 3.87% | 3.45% | 3.46% | 3.33% | 3.52% | 3.09% | -36 bps | |
| Efficiency Ratio | 66.10% | 68.90% | 76.73% | 82.34% | 77.36% | 89.49% | 76.77% | 89.65% | +731 bps | |
| Non-Interest Burden | 2.57% | 2.39% | 2.78% | 2.77% | 2.57% | 2.94% | 2.64% | 2.75% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.31% | 22.79% | 14.11% | 10.62% | 7.47% | 4.21% | 5.35% | 4.87% | -575 bps | |
| Loan Growth (YoY) | 17.20% | 17.97% | 15.90% | 9.28% | 11.83% | 11.19% | 4.15% | 1.21% | -807 bps | |
| Deposit Growth (YoY) | 24.66% | 21.43% | 5.12% | 3.93% | -4.25% | -6.82% | 3.31% | 11.03% | +710 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 | 0.00% | 0.02% | 0.01% | -0.01% | 0.27% | 0.37% | 2.06% | 0.79% | +80 bps | |
| Allowance / Loans | 1.15% | 1.13% | 1.13% | 1.13% | 1.58% | 2.46% | 2.03% | 2.10% | +97 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 | 10.74% | 10.43% | 11.51% | 11.64% | 11.45% | 11.33% | 11.78% | 11.80% | +15 bps | |
| Equity / Assets | 9.42% | 9.63% | 10.48% | 10.43% | 10.18% | 9.99% | 10.18% | 9.96% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.49% | 97.01% | 109.59% | 112.94% | 117.37% | 115.76% | 110.48% | 102.95% | -999 bps | |
| Liquid Assets / Assets | 0.03% | 0.07% | 0.07% | 0.17% | 0.28% | 0.23% | 0.52% | 1.09% | +92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |