Clermont, FL · Cert 57724
FDIC
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.46% | -1.90% | -1.71% | -9.27% | -2.81% | -135 bps | |
| Return on Equity | -15.02% | -20.09% | -19.24% | -126.88% | -9771% | -975,641 bps | |
| Net Interest Margin | 1.67% | 1.76% | 1.51% | 1.49% | 0.91% | -76 bps | |
| Efficiency Ratio | 179.04% | 174.80% | 196.54% | 192.32% | 371% | +19,239 bps | |
| Non-Interest Burden | 3.04% | 3.16% | 3.04% | 2.94% | 3.54% | +51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.53% | 11.93% | 6.09% | -3.55% | 10.00% | -1,253 bps | |
| Loan Growth (YoY) | 43.91% | 30.64% | 14.17% | 0.45% | -11.35% | -5,526 bps | |
| Deposit Growth (YoY) | 31.69% | 17.25% | 9.13% | 7.33% | 29.40% | -229 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.69% | 1.53% | 1.01% | 1.48% | 12.94% | +1,125 bps | |
| Allowance / Loans | 1.57% | 1.98% | 2.02% | 8.34% | 5.90% | +434 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 | 10.31% | 9.11% | 8.20% | 0.92% | -0.44% | -1,075 bps | |
| Equity / Assets | 9.55% | 8.84% | 7.47% | 0.41% | -0.30% | -986 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.21% | 92.34% | 79.35% | 86.45% | 64.54% | -2,967 bps | |
| Liquid Assets / Assets | 0.43% | 1.83% | 3.20% | 6.73% | 0.61% | +18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |