Port Charlotte, FL · Cert 34642
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | -2.66% | -0.35% | -1.11% | -0.60% | -32.15% | 0.10% | -4.95% | -384 bps | |
| Return on Equity | 3.70% | -15.89% | -2.13% | -6.59% | -3.48% | -227% | 0.86% | -39.00% | -3,241 bps | |
| Net Interest Margin | 2.89% | 2.52% | 2.51% | 2.63% | 2.38% | 1.98% | 1.99% | 1.57% | -106 bps | |
| Efficiency Ratio | 69.23% | 81.82% | 82.39% | 66.94% | 73.24% | 82.86% | 76.09% | 85.57% | +1,863 bps | |
| Non-Interest Burden | 1.59% | 1.77% | 1.77% | 0.97% | 1.11% | 22.22% | 0.92% | 1.07% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.74% | 4.73% | 5.94% | 3.48% | -5.62% | -8.64% | -11.43% | -8.74% | -1,222 bps | |
| Loan Growth (YoY) | 7.04% | 3.75% | 6.03% | -0.73% | -6.88% | -8.47% | -11.14% | -9.76% | -903 bps | |
| Deposit Growth (YoY) | 3.60% | 0.26% | -1.08% | -4.86% | -11.89% | 1.25% | -3.38% | 2.25% | +711 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 | 0.42% | 3.74% | 1.09% | 3.30% | 2.48% | 10.90% | 2.28% | 9.97% | +667 bps | |
| Allowance / Loans | 1.19% | 1.75% | 1.81% | 2.07% | 2.14% | 5.24% | 4.97% | 5.09% | +301 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 | 14.64% | 13.87% | 13.37% | 14.14% | 14.13% | 11.84% | 14.48% | 14.30% | +16 bps | |
| Equity / Assets | 16.73% | 16.72% | 16.41% | 17.25% | 17.46% | 10.70% | 12.79% | 12.59% | -466 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.40% | 104.36% | 105.81% | 108.15% | 110.35% | 94.34% | 97.31% | 95.45% | -1,271 bps | |
| Liquid Assets / Assets | 0.78% | 0.73% | 0.62% | 0.80% | 1.18% | 1.24% | 1.56% | 1.69% | +89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |