Jacksonville, FL · Cert 57725
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.94% | -1.96% | -3.09% | -0.51% | -3.95% | -10.52% | -3.12% | -0.30% | +20 bps | |
| Return on Equity | -9.84% | -21.35% | -34.91% | -5.60% | -44.30% | -120.03% | -34.04% | -3.31% | +229 bps | |
| Net Interest Margin | 2.77% | 2.65% | 2.45% | 1.97% | 2.25% | 2.72% | 2.91% | 3.22% | +125 bps | |
| Efficiency Ratio | 105.09% | 121.81% | 118.14% | 133.28% | 119.65% | 148.00% | 92.56% | 88.23% | -4,505 bps | |
| Non-Interest Burden | 2.92% | 3.27% | 2.90% | 2.66% | 2.73% | 3.66% | 2.66% | 2.81% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.63% | 12.29% | 18.38% | 21.08% | 24.60% | 3.91% | -7.32% | -3.11% | -2,418 bps | |
| Loan Growth (YoY) | 6.68% | 13.23% | 8.11% | 6.97% | 9.08% | -3.05% | -5.22% | -7.56% | -1,452 bps | |
| Deposit Growth (YoY) | -2.12% | 12.96% | 35.19% | 21.92% | 32.19% | 3.82% | -7.89% | -2.45% | -2,437 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% | 0.13% | 2.76% | 0.00% | 5.59% | 15.71% | 4.15% | 1.25% | +125 bps | |
| Allowance / Loans | 1.62% | 2.21% | 2.54% | 2.59% | 2.84% | 2.50% | 3.06% | 2.98% | +39 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 | 10.31% | 10.05% | 10.34% | 10.48% | 10.41% | 11.31% | 11.39% | 11.29% | +80 bps | |
| Equity / Assets | 9.53% | 8.84% | 8.88% | 9.16% | 8.69% | 8.85% | 9.52% | 8.75% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.39% | 95.74% | 95.64% | 92.04% | 89.44% | 89.40% | 98.41% | 87.22% | -482 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 |