Miami, FL · Cert 57147
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Miami, FL · Cert 57147
FDIC
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | -0.87% | -0.85% | -1.83% | -3.08% | -3.37% | -5.51% | -5.86% | -403 bps | |
| Return on Equity | 3.83% | -11.09% | -10.78% | -23.83% | -50.35% | -62.25% | -121.49% | -154.62% | -13,079 bps | |
| Net Interest Margin | 3.91% | 3.45% | 3.24% | 3.06% | 1.61% | 1.27% | 1.35% | 1.65% | -141 bps | |
| Efficiency Ratio | 71.33% | 78.25% | 83.35% | 90.38% | 150.45% | 168.16% | 229% | 220% | +12,922 bps | |
| Non-Interest Burden | 2.66% | 2.61% | 2.63% | 2.73% | 2.59% | 2.32% | 3.44% | 3.99% | +126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.06% | 1.98% | -8.17% | -8.52% | -6.20% | -1.07% | -9.25% | -20.31% | -1,178 bps | |
| Loan Growth (YoY) | 11.11% | 5.70% | -4.43% | -6.59% | -7.05% | -8.99% | -9.40% | -14.01% | -742 bps | |
| Deposit Growth (YoY) | -5.97% | 1.46% | -9.40% | -6.54% | -0.57% | 3.23% | 0.26% | -10.26% | -372 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 | 0.04% | 0.11% | 0.42% | 2.36% | 0.07% | 0.00% | 2.20% | 3.82% | +146 bps | |
| Allowance / Loans | 2.40% | 3.45% | 3.74% | 2.97% | 4.30% | 5.13% | 5.43% | 5.28% | +231 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 | 13.67% | 13.40% | 13.90% | 12.82% | 10.97% | 9.45% | 3.92% | 0.00% | -1,282 bps | |
| Equity / Assets | 8.17% | 7.46% | 7.82% | 6.86% | 5.39% | 4.12% | 1.60% | 0.01% | -685 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.94% | 99.65% | 103.02% | 102.52% | 98.10% | 87.86% | 93.09% | 98.24% | -428 bps | |
| Liquid Assets / Assets | 6.92% | 3.35% | 5.85% | 6.09% | 13.01% | 21.34% | 5.65% | 0.49% | -560 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |