Naples, FL · Cert 35106
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | -1.51% | -2.85% | -0.90% | -1.30% | -33.28% | -18.43% | -15.51% | -1,461 bps | |
| Return on Equity | 0.69% | -10.42% | -20.84% | -6.69% | -9.72% | -348% | -513% | 3281% | +328,760 bps | |
| Net Interest Margin | 3.01% | 2.77% | 2.07% | 2.17% | 2.27% | 2.05% | 1.98% | 2.01% | -15 bps | |
| Efficiency Ratio | 80.19% | 84.59% | 97.56% | 91.91% | 98.99% | 109.05% | 119.51% | 122.30% | +3,039 bps | |
| Non-Interest Burden | 2.30% | 2.26% | 2.03% | 1.95% | 2.26% | 29.54% | 2.57% | 3.18% | +123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.88% | 11.86% | 10.00% | 8.69% | 6.04% | -8.83% | -11.68% | -15.63% | -2,431 bps | |
| Loan Growth (YoY) | -1.32% | -0.43% | 6.27% | 10.08% | 6.59% | 2.10% | -7.69% | -15.03% | -2,512 bps | |
| Deposit Growth (YoY) | -14.24% | 15.36% | 19.85% | 7.89% | 15.25% | -1.11% | 2.42% | 9.90% | +201 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 | 0.65% | 3.21% | 0.26% | 4.06% | 1.94% | 5.22% | 11.88% | 15.35% | +1,129 bps | |
| Allowance / Loans | 1.17% | 1.27% | 2.59% | 2.03% | 2.34% | 3.64% | 3.97% | 4.66% | +263 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 | 11.90% | 11.01% | 10.35% | 10.17% | 10.25% | 8.43% | 2.99% | -2.98% | -1,316 bps | |
| Equity / Assets | 15.36% | 13.75% | 13.60% | 13.33% | 13.33% | 5.59% | 1.47% | -2.47% | -1,580 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.80% | 101.59% | 112.81% | 122.09% | 111.73% | 104.90% | 101.67% | 94.39% | -2,770 bps | |
| Liquid Assets / Assets | 0.44% | 0.43% | 0.42% | 0.40% | 0.30% | 3.65% | 6.02% | 6.49% | +609 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |