Palm Harbor, FL · Cert 34172
FDIC
Q1 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.33% | -3.72% | -6.95% | -5.65% | -2.66% | +67 bps | |
| Return on Equity | -30.57% | -34.20% | -66.62% | -54.50% | -26.99% | +358 bps | |
| Net Interest Margin | 2.50% | 2.63% | 2.56% | 2.74% | 3.39% | +89 bps | |
| Efficiency Ratio | 114.93% | 125.30% | 126.70% | 123.24% | 98.90% | -1,603 bps | |
| Non-Interest Burden | 2.97% | 3.40% | 3.33% | 3.47% | 3.43% | +46 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.52% | -15.14% | -7.90% | -9.79% | -11.42% | -2,694 bps | |
| Loan Growth (YoY) | 24.77% | -8.68% | -14.59% | -15.48% | -18.10% | -4,286 bps | |
| Deposit Growth (YoY) | 28.62% | -10.30% | -0.31% | -12.75% | -14.08% | -4,271 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.83% | 5.99% | 11.10% | 9.79% | 2.21% | -262 bps | |
| Allowance / Loans | 2.40% | 2.44% | 2.27% | 2.51% | 2.89% | +49 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.55% | 11.64% | 11.88% | 12.26% | 12.09% | +55 bps | |
| Equity / Assets | 10.95% | 10.78% | 9.17% | 10.13% | 9.57% | -137 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.93% | 101.33% | 88.20% | 104.38% | 100.03% | -490 bps | |
| Liquid Assets / Assets | 0.04% | 0.39% | 1.20% | 3.74% | 0.01% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |