Bradenton, FL · Cert 35044
FDIC
Q3 2009
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 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.55% | -0.06% | -1.82% | -3.21% | -8.61% | -9.68% | -12.30% | -1,047 bps | |
| Return on Equity | 5.98% | 6.76% | -0.79% | -25.18% | -44.56% | -139.87% | -195.71% | -359% | -33,363 bps | |
| Net Interest Margin | 2.64% | 2.31% | 2.19% | 2.05% | 1.88% | 1.25% | 1.20% | 1.14% | -91 bps | |
| Efficiency Ratio | 54.81% | 74.04% | 79.63% | 86.25% | 111.37% | 164.25% | 185.44% | 211% | +12,474 bps | |
| Non-Interest Burden | 1.38% | 1.67% | 1.71% | 1.75% | 2.10% | 2.12% | 2.32% | 2.53% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.15% | 8.98% | -0.15% | 11.26% | -5.67% | -11.53% | -14.00% | -23.00% | -3,426 bps | |
| Loan Growth (YoY) | 12.72% | 11.48% | 3.69% | -3.99% | -8.04% | -12.00% | -17.99% | -21.90% | -1,791 bps | |
| Deposit Growth (YoY) | 9.34% | 8.13% | -3.77% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.74% | 0.01% | 0.72% | 2.44% | 1.92% | 7.16% | 12.22% | 18.06% | +1,562 bps | |
| Allowance / Loans | 1.24% | 1.28% | 1.29% | 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 | 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% | 11.75% | 11.05% | 9.67% | 10.57% | 8.02% | 4.62% | -2.76% | -1,243 bps | |
| Equity / Assets | 8.02% | 8.23% | 7.08% | 5.71% | 7.03% | 5.24% | 2.40% | -1.71% | -742 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.94% | 84.47% | 81.35% | 75.05% | 82.57% | 81.76% | 73.85% | 70.90% | -414 bps | |
| Liquid Assets / Assets | 0.20% | 0.51% | 0.26% | 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 | n/a | n/a | n/a |