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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.36% | -0.98% | -0.80% | 0.27% | 0.02% | -0.12% | -0.17% | +63 bps | |
| Return on Equity | -1.68% | -1.75% | -5.16% | -4.67% | 2.20% | 0.15% | -1.01% | -1.39% | +327 bps | |
| Net Interest Margin | 2.19% | 2.13% | 1.99% | 1.44% | 2.10% | 2.18% | 2.29% | 2.81% | +137 bps | |
| Efficiency Ratio | 126.83% | 122.71% | 126.93% | 127.15% | 76.01% | 71.35% | 64.57% | 62.38% | -6,477 bps | |
| Non-Interest Burden | 3.03% | 2.82% | 2.74% | 1.99% | 1.55% | 1.50% | 1.39% | 1.62% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.68% | 14.54% | 45.15% | 115.71% | 167.74% | 147.57% | 108.68% | -4.12% | -11,983 bps | |
| Loan Growth (YoY) | 2.06% | 9.72% | 54.62% | 61.53% | 77.91% | 69.49% | 31.22% | 19.19% | -4,234 bps | |
| Deposit Growth (YoY) | 49.49% | 44.27% | 35.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.12% | -0.09% | 0.04% | 0.48% | 0.91% | 1.14% | 1.32% | 2.11% | +164 bps | |
| Allowance / Loans | 1.35% | 1.31% | 1.67% | 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 | 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 | 18.35% | 16.17% | 13.12% | 12.23% | 15.89% | 14.97% | 14.91% | 16.11% | +388 bps | |
| Equity / Assets | 21.26% | 18.69% | 15.50% | 13.25% | 11.36% | 10.79% | 10.97% | 14.85% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.17% | 113.06% | 122.75% | 61.93% | 64.04% | 73.50% | 81.12% | 78.49% | +1,656 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |