Palm Harbor, FL · Cert 34172
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.20% | -1.82% | -46.20% | -3.33% | -4.08% | -13.43% | -1.35% | -2.66% | +67 bps | |
| Return on Equity | -34.55% | -9.67% | -303% | -30.57% | -37.56% | -134.89% | -14.02% | -26.99% | +358 bps | |
| Net Interest Margin | 2.83% | 2.64% | 2.47% | 2.50% | 2.71% | 2.45% | 2.86% | 3.39% | +89 bps | |
| Efficiency Ratio | 225% | 109.56% | 150.95% | 114.93% | 134.97% | 129.99% | 113.01% | 98.90% | -1,603 bps | |
| Non-Interest Burden | 5.06% | 2.96% | 43.54% | 2.97% | 3.79% | 3.23% | 3.30% | 3.43% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.78% | 31.44% | 15.26% | 15.52% | -15.14% | -7.90% | -9.79% | -11.42% | -2,694 bps | |
| Loan Growth (YoY) | 42.20% | 34.88% | 28.32% | 24.77% | -8.68% | -14.59% | -15.48% | -18.10% | -4,286 bps | |
| Deposit Growth (YoY) | 55.72% | 52.17% | 38.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 8.43% | 2.84% | 5.35% | 4.83% | 6.92% | 20.29% | 4.66% | 2.21% | -262 bps | |
| Allowance / Loans | 2.07% | 2.27% | 2.20% | 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 | 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 | 10.36% | 10.45% | 11.45% | 11.55% | 11.64% | 11.88% | 12.26% | 12.09% | +55 bps | |
| Equity / Assets | 18.51% | 19.11% | 10.87% | 10.95% | 10.78% | 9.17% | 10.13% | 9.57% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.54% | 102.94% | 107.75% | 104.93% | 101.33% | 88.20% | 104.38% | 100.03% | -490 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.02% | 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 | n/a | n/a | n/a |