Bradenton, FL · Cert 35061
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.32% | 0.29% | -6.32% | -4.13% | -3.84% | -3.77% | -1.79% | +454 bps | |
| Return on Equity | 7.95% | 5.07% | 4.41% | -112.88% | -79.38% | -79.31% | -127.49% | -61.92% | +5,096 bps | |
| Net Interest Margin | 2.94% | 2.92% | 2.80% | 3.02% | 2.96% | 2.94% | 3.11% | 2.97% | -5 bps | |
| Efficiency Ratio | 63.06% | 63.85% | 74.72% | 75.77% | 76.92% | 76.88% | 98.12% | 96.83% | +2,106 bps | |
| Non-Interest Burden | 1.68% | 1.72% | 2.06% | 2.25% | 2.23% | 2.12% | 3.05% | 2.86% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.14% | 7.37% | 10.71% | 1.67% | -1.53% | -4.75% | -12.04% | -8.98% | -1,065 bps | |
| Loan Growth (YoY) | 14.97% | 9.43% | 9.89% | 1.89% | -2.51% | -7.32% | -14.40% | -14.22% | -1,611 bps | |
| Deposit Growth (YoY) | 17.33% | 13.11% | 11.13% | 5.26% | 3.52% | 4.99% | -5.19% | -4.58% | -984 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 | 0.19% | 0.20% | 0.16% | 6.26% | 4.60% | 5.07% | 5.67% | 3.42% | -284 bps | |
| Allowance / Loans | 0.90% | 0.89% | 0.95% | 3.08% | 2.82% | 3.01% | 3.57% | 3.51% | +43 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 | 10.03% | 10.22% | 10.26% | 6.66% | 6.86% | 4.92% | 3.06% | 3.14% | -352 bps | |
| Equity / Assets | 6.20% | 6.57% | 6.39% | 3.76% | 3.96% | 3.36% | 2.54% | 2.74% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.58% | 101.95% | 95.88% | 96.12% | 94.71% | 90.00% | 86.56% | 86.41% | -971 bps | |
| Liquid Assets / Assets | 7.16% | 6.96% | 6.42% | 9.05% | 9.80% | 9.11% | 8.72% | 8.42% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |