Cape Coral, FL · Cert 34563
FDIC
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.01% | -5.57% | -6.72% | -6.59% | -8.83% | -882 bps | |
| Return on Equity | -0.17% | -78.69% | -107.80% | -119.64% | -202% | -20,150 bps | |
| Net Interest Margin | 3.24% | 2.31% | 1.59% | 1.54% | 1.51% | -173 bps | |
| Efficiency Ratio | 82.76% | 107.42% | 137.63% | 145.76% | 153.10% | +7,035 bps | |
| Non-Interest Burden | 2.51% | 2.54% | 2.43% | 2.56% | 2.68% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.02% | -10.26% | 2.67% | -7.04% | -5.58% | -156 bps | |
| Loan Growth (YoY) | 0.98% | -0.06% | 2.43% | -1.83% | -7.95% | -894 bps | |
| Deposit Growth (YoY) | 5.35% | -6.53% | 22.42% | 2.03% | 0.22% | -513 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.07% | 3.45% | 3.79% | 8.60% | +834 bps | |
| Allowance / Loans | 1.83% | 3.56% | 3.46% | 4.29% | 4.05% | +222 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 | 12.51% | 10.55% | 10.12% | 8.35% | 3.04% | -947 bps | |
| Equity / Assets | 7.76% | 6.37% | 4.75% | 3.26% | -0.50% | -826 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.22% | 102.08% | 82.28% | 89.11% | 88.37% | -785 bps | |
| Liquid Assets / Assets | 0.02% | 0.03% | 0.06% | 0.02% | 13.57% | +1,356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |