Orlando, FL · Cert 34965
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -1.62% | -1.55% | -4.63% | -1.34% | -5.98% | -10.03% | -17.15% | -1,252 bps | |
| Return on Equity | -1.11% | -22.46% | -21.85% | -71.14% | -22.84% | -120.33% | -315% | 20477% | +2,054,822 bps | |
| Net Interest Margin | 1.98% | 1.76% | 1.93% | 1.86% | 1.30% | 1.45% | 1.43% | 1.33% | -54 bps | |
| Efficiency Ratio | 81.30% | 90.28% | 84.72% | 98.09% | 296% | 271% | 120.82% | 374% | +27,549 bps | |
| Non-Interest Burden | 1.57% | 1.57% | 1.60% | 1.83% | 2.76% | 2.57% | 1.76% | 3.12% | +130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.73% | -3.57% | -7.84% | -4.96% | -7.88% | -5.94% | -12.86% | -13.48% | -852 bps | |
| Loan Growth (YoY) | -4.14% | -5.06% | -8.77% | -12.13% | -12.29% | -16.19% | -14.59% | -12.01% | +12 bps | |
| Deposit Growth (YoY) | 1.21% | -2.00% | -9.08% | -5.22% | -7.01% | -3.88% | -8.27% | -5.24% | -2 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 | 2.80% | 2.15% | 7.53% | 10.46% | 1.25% | 7.04% | 5.31% | 0.65% | -981 bps | |
| Allowance / Loans | 3.03% | 3.32% | 2.51% | 2.45% | 2.54% | 3.77% | 7.89% | 8.01% | +555 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 | 11.82% | 11.63% | 11.54% | 10.57% | 8.90% | 6.04% | -2.13% | -2.92% | -1,349 bps | |
| Equity / Assets | 7.26% | 7.15% | 7.00% | 6.01% | 5.70% | 4.23% | 2.03% | -2.27% | -828 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.82% | 98.39% | 95.12% | 92.64% | 90.38% | 85.79% | 88.57% | 86.02% | -662 bps | |
| Liquid Assets / Assets | 10.54% | 7.58% | 9.87% | 10.80% | 15.82% | 19.31% | 16.63% | 19.36% | +856 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |