Tampa, FL · Cert 57814
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.11% | -0.83% | -0.78% | -1.20% | -2.63% | -6.09% | -15.50% | -1,473 bps | |
| Return on Equity | 2.01% | 1.15% | -8.47% | -8.96% | -14.26% | -32.28% | -85.28% | -1485% | -147,644 bps | |
| Net Interest Margin | 2.98% | 2.90% | 2.76% | 2.42% | 2.31% | 2.41% | 2.57% | 2.43% | +1 bps | |
| Efficiency Ratio | 84.82% | 84.80% | 85.03% | 100.00% | 107.98% | 103.64% | 104.83% | 113.69% | +1,369 bps | |
| Non-Interest Burden | 2.53% | 2.47% | 2.35% | 2.43% | 2.51% | 2.52% | 2.71% | 3.98% | +155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.44% | 33.71% | 34.74% | 17.98% | 18.06% | 2.26% | -3.40% | -9.45% | -2,743 bps | |
| Loan Growth (YoY) | 30.33% | 23.08% | 24.52% | 10.36% | 9.00% | 1.76% | -2.68% | -10.73% | -2,109 bps | |
| Deposit Growth (YoY) | 61.28% | 50.44% | 51.44% | 19.39% | 19.31% | 3.40% | -1.84% | -5.05% | -2,444 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 | 0.01% | 0.11% | 0.14% | 5.14% | 4.51% | 3.97% | 5.26% | 14.13% | +898 bps | |
| Allowance / Loans | 0.98% | 0.97% | 2.51% | 1.56% | 1.38% | 3.24% | 3.72% | 4.66% | +310 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 | 10.61% | 10.30% | 10.12% | 10.15% | 10.21% | 8.24% | 4.37% | -1.12% | -1,127 bps | |
| Equity / Assets | 9.66% | 9.45% | 8.90% | 8.44% | 8.01% | 7.17% | 2.94% | -0.91% | -935 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.53% | 99.82% | 98.15% | 94.26% | 92.76% | 98.24% | 97.31% | 88.62% | -564 bps | |
| Liquid Assets / Assets | 0.19% | 0.26% | 0.11% | 0.04% | 0.05% | 2.83% | 5.15% | 7.49% | +745 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |