Jupiter, FL · Cert 57604
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 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.
Jupiter, FL · Cert 57604
FDIC
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | -0.90% | -0.32% | -1.57% | -1.15% | -3.84% | -13.62% | -18.37% | -1,680 bps | |
| Return on Equity | 1.27% | -6.95% | -2.80% | -14.53% | -11.03% | -38.72% | -218% | -450% | -43,507 bps | |
| Net Interest Margin | 3.43% | 3.32% | 2.48% | 1.69% | 1.71% | 1.51% | 1.31% | 1.26% | -43 bps | |
| Efficiency Ratio | 87.46% | 97.49% | 121.05% | 158.26% | 145.76% | 164.06% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.99% | 3.23% | 3.01% | 2.71% | 2.53% | 2.52% | 6.01% | 4.92% | +221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.26% | 17.20% | 14.32% | 14.34% | 16.09% | 4.42% | -7.20% | -24.35% | -3,869 bps | |
| Loan Growth (YoY) | 21.86% | 18.49% | 7.00% | 11.15% | 1.93% | -8.58% | -11.91% | -27.86% | -3,901 bps | |
| Deposit Growth (YoY) | 23.03% | 17.00% | 4.06% | 9.34% | 13.21% | 2.47% | 5.60% | -13.52% | -2,287 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 | 0.00% | 0.19% | 0.00% | 0.66% | 1.05% | 2.89% | 19.75% | 29.69% | +2,903 bps | |
| Allowance / Loans | 1.08% | 2.39% | 2.45% | 3.09% | 2.78% | 2.97% | 1.74% | 1.73% | -136 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 | 14.80% | 13.34% | 13.78% | 11.95% | 11.83% | 10.30% | 6.62% | -1.79% | -1,374 bps | |
| Equity / Assets | 12.83% | 11.84% | 11.10% | 9.51% | 9.46% | 7.80% | 4.61% | -1.09% | -1,061 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.77% | 93.02% | 92.60% | 86.30% | 82.63% | 82.99% | 77.24% | 72.00% | -1,430 bps | |
| Liquid Assets / Assets | 0.25% | 0.19% | 1.97% | 1.88% | 1.92% | 2.16% | 2.18% | 4.16% | +228 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |