Port Orange, FL · Cert 35478
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.08% | -3.90% | -4.03% | -4.19% | -6.35% | -3.75% | -5.05% | -4.34% | -15 bps | |
| Return on Equity | -26.52% | -53.19% | -56.97% | -62.18% | -141.28% | -90.44% | -141.44% | -136.93% | -7,475 bps | |
| Net Interest Margin | 3.34% | 3.31% | 3.45% | 3.57% | 3.47% | 3.01% | 2.95% | 3.06% | -51 bps | |
| Efficiency Ratio | 96.60% | 98.96% | 102.20% | 108.89% | 101.60% | 112.93% | 122.23% | 130.68% | +2,179 bps | |
| Non-Interest Burden | 3.21% | 3.27% | 3.54% | 3.93% | 3.54% | 3.47% | 3.67% | 4.05% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.14% | 6.48% | -7.81% | -16.91% | -18.31% | -11.63% | -10.11% | -11.81% | +511 bps | |
| Loan Growth (YoY) | 1.90% | -3.98% | -8.75% | -14.25% | -17.48% | -15.06% | -17.98% | -18.25% | -400 bps | |
| Deposit Growth (YoY) | 3.21% | 11.40% | -1.93% | -12.80% | -13.02% | -5.97% | -6.15% | -8.65% | +415 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 | 3.57% | 5.43% | 4.13% | 4.74% | 8.21% | 5.00% | 6.10% | 5.93% | +118 bps | |
| Allowance / Loans | 1.47% | 2.17% | 3.58% | 3.80% | 4.32% | 4.26% | 5.32% | 4.73% | +93 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 | 11.52% | 10.43% | 9.70% | 8.48% | 6.69% | 6.43% | 3.87% | 3.26% | -522 bps | |
| Equity / Assets | 7.92% | 6.36% | 6.16% | 5.18% | 3.81% | 3.50% | 1.77% | 1.34% | -384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.42% | 76.31% | 80.28% | 81.55% | 76.29% | 68.93% | 70.16% | 72.98% | -857 bps | |
| Liquid Assets / Assets | 0.05% | 0.03% | 5.88% | 4.91% | 13.74% | 15.29% | 16.91% | 7.95% | +304 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |