Tallahassee, FL · Cert 57819
FDIC
Q4 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.80% | 0.27% | 0.02% | -0.12% | -0.17% | +63 bps | |
| Return on Equity | -4.67% | 2.20% | 0.15% | -1.01% | -1.39% | +327 bps | |
| Net Interest Margin | 1.44% | 2.10% | 2.18% | 2.29% | 2.81% | +137 bps | |
| Efficiency Ratio | 127.15% | 76.01% | 71.35% | 64.57% | 62.38% | -6,477 bps | |
| Non-Interest Burden | 1.99% | 1.55% | 1.50% | 1.39% | 1.62% | -37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 115.71% | 167.74% | 147.57% | 108.68% | -4.12% | -11,983 bps | |
| Loan Growth (YoY) | 61.53% | 77.91% | 69.49% | 31.22% | 19.19% | -4,234 bps | |
| Deposit Growth (YoY) | 156.63% | 161.61% | 160.70% | 98.55% | -5.95% | -16,258 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.48% | 0.91% | 1.14% | 1.32% | 2.11% | +164 bps | |
| Allowance / Loans | 1.55% | 1.42% | 1.78% | 2.52% | 2.51% | +97 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 | 12.23% | 15.89% | 14.97% | 14.91% | 16.11% | +388 bps | |
| Equity / Assets | 13.25% | 11.36% | 10.79% | 10.97% | 14.85% | +160 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.93% | 64.04% | 73.50% | 81.12% | 78.49% | +1,656 bps | |
| Liquid Assets / Assets | 28.05% | 24.98% | 0.00% | 0.00% | 0.13% | -2,792 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |