Jacksonville Beach, FL · Cert 34284
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 | -1.33% | 0.14% | 0.01%1 | -2.74% | -6.22% | -0.57% | 0.54% | 0.11% | +285 bps | |
| Return on Equity | -17.29% | 1.93% | 0.18% | -46.14% | -127.24% | -13.02% | 11.61% | 2.21% | +4,835 bps | |
| Net Interest Margin | 2.81% | 2.69% | 2.41% | 2.09% | 2.60% | 2.93% | 3.18% | 3.21% | +112 bps | |
| Efficiency Ratio | 102.82% | 88.43% | 103.03% | 114.70% | 102.94% | 80.51% | 85.51% | 69.46% | -4,523 bps | |
| Non-Interest Burden | 2.91% | 2.34% | 2.49% | 2.45% | 2.65% | 2.31% | 2.68% | 2.15% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.13% | 5.28% | 14.58% | 23.98% | 11.09% | 3.00% | -9.35% | -21.03% | -4,501 bps | |
| Loan Growth (YoY) | 1.45% | 5.58% | 2.08% | -2.62% | -2.94% | -5.31% | -8.09% | -7.82% | -520 bps | |
| Deposit Growth (YoY) | 10.28% | 8.38% | 22.53% | 40.71% | 12.56% | 7.11% | -8.34% | -20.33% | -6,104 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 | 2.43% | 0.33% | 0.08% | 6.67% | 0.26% | 1.53% | 3.65% | 0.84% | -584 bps | |
| Allowance / Loans | 1.93% | 1.96% | 2.00% | 2.00% | 3.25% | 3.39% | 2.61% | 2.79% | +79 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 | 10.25% | 10.48% | 10.47% | 8.49% | 7.68% | 7.74% | 8.20% | 8.39% | -10 bps | |
| Equity / Assets | 7.43% | 7.16% | 6.50% | 5.42% | 4.30% | 4.38% | 4.86% | 5.24% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.31% | 85.95% | 77.42% | 69.31% | 74.43% | 75.99% | 77.64% | 80.19% | +1,088 bps | |
| Liquid Assets / Assets | 5.86% | 12.35% | 18.79% | 18.15% | 14.29% | 15.31% | 14.49% | 12.59% | -556 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |