Tallahassee, FL · Cert 57819
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.54% | 0.27% | -0.20% | -0.36% | -0.32% | +22 bps | |
| Return on Equity | -3.82% | 2.20% | -1.83% | -3.27% | -2.51% | +131 bps | |
| Net Interest Margin | 1.50% | 2.10% | 2.43% | 2.59% | 2.87% | +138 bps | |
| Efficiency Ratio | 127.75% | 76.01% | 67.64% | 53.51% | 56.21% | -7,154 bps | |
| Non-Interest Burden | 2.10% | 1.55% | 1.57% | 1.23% | 1.42% | -67 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 | 1.80% | 0.91% | 1.46% | 1.65% | 4.41% | +261 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 |