Cape Coral, FL · Cert 57796
FDIC
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -1.45% | -1.33% | -2.78% | -1.37% | -1.68% | -2.19% | -0.30% | +248 bps | |
| Return on Equity | -4.87% | -16.97% | -15.18% | -29.38% | -14.75% | -18.52% | -25.74% | -4.59% | +2,479 bps | |
| Net Interest Margin | 2.84% | 2.85% | 2.93% | 2.83% | 2.83% | 2.63% | 2.43% | 2.08% | -76 bps | |
| Efficiency Ratio | 102.68% | 100.13% | 111.63% | 115.31% | 114.60% | 117.49% | 131.65% | 121.71% | +639 bps | |
| Non-Interest Burden | 2.92% | 2.85% | 3.29% | 3.29% | 3.26% | 3.11% | 3.20% | 2.56% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | -1.05% | 2.88% | -13.09% | -13.73% | -8.59% | 11.75% | 15.52% | +2,861 bps | |
| Loan Growth (YoY) | 19.47% | 2.96% | 0.20% | 4.44% | 9.43% | 13.87% | 21.55% | 14.53% | +1,008 bps | |
| Deposit Growth (YoY) | 8.88% | -4.14% | 2.29% | -14.13% | -22.45% | -8.61% | 6.97% | 14.15% | +2,829 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 | 0.43% | 2.84% | 2.22% | 5.14% | 2.14% | 2.71% | 2.91% | 1.29% | -385 bps | |
| Allowance / Loans | 1.28% | 1.56% | 1.24% | 1.24% | 1.25% | 1.13% | 1.08% | 0.82% | -42 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 | 12.17% | 11.19% | 11.98% | 11.41% | 11.24% | 10.17% | 8.54% | 7.12% | -430 bps | |
| Equity / Assets | 8.30% | 7.79% | 9.55% | 9.40% | 9.00% | 8.28% | 6.58% | 6.67% | -273 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.14% | 75.75% | 88.75% | 93.16% | 100.39% | 94.38% | 100.85% | 93.47% | +31 bps | |
| Liquid Assets / Assets | 8.10% | 8.07% | 10.06% | 10.13% | 9.61% | 9.22% | 7.72% | 7.16% | -297 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |