Ponte Vedra Beach, FL · Cert 57653
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -1.33% | -0.71% | -0.32% | -20.64% | -2,031 bps | |
| Return on Equity | -1.89% | -7.96% | -4.21% | -1.99% | -153.57% | -15,168 bps | |
| Net Interest Margin | 2.30% | 2.17% | 1.91% | 2.10% | 1.89% | -41 bps | |
| Efficiency Ratio | 118.02% | 174.97% | 151.57% | 116.08% | 163.91% | +4,588 bps | |
| Non-Interest Burden | 2.75% | 3.84% | 2.96% | 2.46% | 19.81% | +1,706 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.04% | 34.37% | 41.12% | 61.56% | 45.60% | +4,564 bps | |
| Loan Growth (YoY) | 4.40% | 77.30% | 64.10% | 70.34% | 66.65% | +6,225 bps | |
| Deposit Growth (YoY) | -14.11% | 25.51% | 43.77% | 81.27% | 88.95% | +10,306 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.52% | +152 bps | |
| Allowance / Loans | 1.25% | 1.44% | 1.47% | 1.48% | 2.37% | +112 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 13.40% | 14.43% | 13.83% | 13.10% | 12.59% | -81 bps | |
| Equity / Assets | 16.85% | 16.54% | 17.13% | 15.28% | 11.43% | -542 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 111.85% | 109.24% | 106.61% | 99.45% | 98.65% | -1,320 bps | |
| Liquid Assets / Assets | 0.03% | 1.76% | 0.24% | 1.27% | 1.02% | +99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |