Cape Coral, FL · Cert 34563
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.09% | -1.70% | -0.33% | -5.57% | -8.01% | -6.00% | -15.79% | -1,546 bps | |
| Return on Equity | 12.02% | 14.87% | -23.97% | -4.46% | -78.69% | -145.62% | -148.33% | -1100% | -109,519 bps | |
| Net Interest Margin | 3.58% | 3.43% | 2.87% | 2.67% | 2.31% | 1.11% | 1.34% | 1.00% | -166 bps | |
| Efficiency Ratio | 74.35% | 73.68% | 89.26% | 99.23% | 107.42% | 184.40% | 164.39% | 187.70% | +8,847 bps | |
| Non-Interest Burden | 2.37% | 2.25% | 2.47% | 2.64% | 2.54% | 2.59% | 2.64% | 2.36% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.42% | 4.54% | 3.67% | -4.02% | -10.26% | 2.67% | -7.04% | -5.58% | -156 bps | |
| Loan Growth (YoY) | -0.34% | -7.46% | -4.71% | 0.98% | -0.06% | 2.43% | -1.83% | -7.95% | -894 bps | |
| Deposit Growth (YoY) | 6.00% | -0.60% | 5.64% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.14% | 0.70% | 0.07% | 0.07% | 6.84% | 4.20% | 22.46% | +2,239 bps | |
| Allowance / Loans | 1.09% | 1.13% | 1.75% | 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 | 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 | 11.73% | 12.36% | 12.15% | 12.51% | 10.55% | 10.12% | 8.35% | 3.04% | -947 bps | |
| Equity / Assets | 7.55% | 7.14% | 7.07% | 7.76% | 6.37% | 4.75% | 3.26% | -0.50% | -826 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.46% | 98.33% | 92.61% | 96.22% | 102.08% | 82.28% | 89.11% | 88.37% | -785 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 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 | n/a | n/a | n/a |