Jacksonville, FL · Cert 35542
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.76% | -1.73% | -13.01% | -4.55% | -3.74% | -10.55% | -8.92% | -19.69% | -1,514 bps | |
| Return on Equity | -28.52% | -13.20% | -110.75% | -45.44% | -40.74% | -120.46% | -97.77% | -260% | -21,426 bps | |
| Net Interest Margin | 2.47% | 2.11% | 2.51% | 2.08% | 2.43% | 1.85% | 2.65% | 2.68% | +60 bps | |
| Efficiency Ratio | 660% | 183.81% | 139.18% | 143.83% | 129.48% | 209% | 118.79% | n/a | n/a | |
| Non-Interest Burden | 5.79% | 3.70% | 3.36% | 3.11% | 3.22% | 3.79% | 3.19% | 11.81% | +870 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.32% | -3.47% | -2.49% | -8.64% | -5.97% | -5.53% | -12.32% | -19.50% | -1,086 bps | |
| Loan Growth (YoY) | -16.81% | -14.83% | -15.07% | -10.48% | -5.65% | -5.71% | -6.86% | -11.99% | -151 bps | |
| Deposit Growth (YoY) | -7.98% | -4.52% | 2.04% | -4.60% | -1.22% | -0.48% | -11.30% | -15.54% | -1,094 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 | 3.87% | 1.08% | 2.21% | 1.94% | 3.75% | 6.73% | 6.03% | 14.01% | +1,206 bps | |
| Allowance / Loans | 2.15% | 2.34% | 2.27% | 2.99% | 2.99% | 2.90% | 4.30% | 4.31% | +132 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 | 13.35% | 14.09% | 13.38% | 12.20% | 11.07% | 13.06% | 13.05% | 7.86% | -434 bps | |
| Equity / Assets | 12.76% | 13.40% | 10.11% | 9.89% | 8.50% | 9.03% | 9.22% | 5.63% | -427 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.17% | 86.58% | 81.79% | 87.66% | 82.31% | 82.03% | 85.89% | 91.35% | +368 bps | |
| Liquid Assets / Assets | 11.67% | 14.58% | 15.53% | 8.00% | 13.17% | 14.05% | 12.75% | 5.74% | -226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |