Bradenton, FL · Cert 35044
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.29% | -7.37% | -8.61% | -10.83% | -17.79% | -1,250 bps | |
| Return on Equity | -82.81% | -116.27% | -139.87% | -283% | -4084% | -400,070 bps | |
| Net Interest Margin | 1.90% | 0.81% | 1.25% | 1.07% | 0.90% | -100 bps | |
| Efficiency Ratio | 101.39% | 376% | 164.25% | 211% | 281% | +17,927 bps | |
| Non-Interest Burden | 1.93% | 2.67% | 2.12% | 2.40% | 2.73% | +80 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.26% | -5.67% | -11.53% | -14.00% | -23.00% | -3,426 bps | |
| Loan Growth (YoY) | -3.99% | -8.04% | -12.00% | -17.99% | -21.90% | -1,791 bps | |
| Deposit Growth (YoY) | 15.59% | -5.40% | -9.08% | -9.65% | -17.34% | -3,293 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.82% | 0.13% | 7.16% | 16.63% | 27.38% | +2,156 bps | |
| Allowance / Loans | 1.83% | 3.89% | 4.98% | 4.96% | 4.73% | +290 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 | 9.67% | 10.57% | 8.02% | 4.62% | -2.76% | -1,243 bps | |
| Equity / Assets | 5.71% | 7.03% | 5.24% | 2.40% | -1.71% | -742 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.05% | 82.57% | 81.76% | 73.85% | 70.90% | -414 bps | |
| Liquid Assets / Assets | 0.46% | 0.73% | 1.96% | 6.41% | 4.41% | +395 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |