Tallahassee, FL · Cert 57211
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | -0.04% | 0.39% | -0.14% | 0.21% | 0.13% | -0.15% | -46.28% | -4,614 bps | |
| Return on Equity | 5.17% | -0.26% | 1.73% | -0.65% | 0.95% | 0.62% | -0.70% | -285% | -28,391 bps | |
| Net Interest Margin | 3.36% | -0.39% | 3.61% | 3.83% | 3.36% | 3.24% | 3.63% | 3.53% | -30 bps | |
| Efficiency Ratio | 80.90% | 71.08% | 77.65% | 91.00% | 82.35% | 83.19% | 80.98% | 104.84% | +1,385 bps | |
| Non-Interest Burden | 2.66% | -0.57% | 3.17% | 3.77% | 3.01% | 2.94% | 3.17% | 42.27% | +3,850 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.92% | -13.80% | 19.95% | 11.10% | 19.24% | 7.70% | 6.76% | -3.07% | -1,417 bps | |
| Loan Growth (YoY) | 32.34% | 15.09% | 11.23% | 9.36% | 9.22% | 14.44% | 15.23% | 13.22% | +387 bps | |
| Deposit Growth (YoY) | 17.27% | -29.50% | 6.98% | -3.00% | 5.19% | 9.63% | 5.70% | 6.69% | +969 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 | -0.01% | 0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0.00% | 1.60% | +160 bps | |
| Allowance / Loans | 1.00% | 1.21% | 1.18% | 1.15% | 1.16% | 1.16% | 1.33% | 4.01% | +286 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 | 13.82% | 15.19% | 15.48% | 14.59% | 14.39% | 14.71% | 14.63% | 12.31% | -228 bps | |
| Equity / Assets | 10.92% | 22.98% | 22.30% | 22.06% | 21.22% | 21.65% | 21.05% | 11.06% | -1,100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.44% | 98.90% | 97.00% | 99.51% | 95.99% | 103.24% | 105.74% | 105.60% | +609 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |