Melbourne, FL · Cert 57832
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | -0.11% | -0.86% | -0.09% | 0.01%1 | 0.18%1 | -0.08% | 0.47% | +56 bps | |
| Return on Equity | 0.40% | -0.66% | -5.36% | -0.57% | 0.08% | 1.34% | -0.57% | 3.56% | +413 bps | |
| Net Interest Margin | 3.40% | 3.84% | 2.93% | 2.84% | 2.89% | 2.96% | 3.25% | 3.15% | +31 bps | |
| Efficiency Ratio | 96.56% | 92.20% | 98.50% | 94.01% | 101.71% | 88.64% | 80.72% | 79.64% | -1,437 bps | |
| Non-Interest Burden | 3.28% | 3.60% | 2.93% | 2.69% | 2.96% | 2.63% | 2.60% | 2.45% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.31% | 18.92% | 27.49% | 23.04% | 35.60% | 30.25% | 17.33% | 19.30% | -373 bps | |
| Loan Growth (YoY) | 39.56% | 31.92% | 26.25% | 32.19% | 37.42% | 29.24% | 20.95% | 5.52% | -2,667 bps | |
| Deposit Growth (YoY) | 19.29% | 9.42% | 22.87% | 24.65% | 40.54% | 33.72% | 20.54% | 22.34% | -231 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 | 0.00% | 0.00% | 1.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.04% | 1.20% | 1.20% | 1.17% | 1.16% | 1.40% | 1.48% | +27 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 | 12.97% | 13.20% | 13.58% | 12.65% | 11.80% | 11.44% | 11.91% | 12.34% | -31 bps | |
| Equity / Assets | 16.48% | 16.22% | 15.93% | 15.08% | 13.49% | 13.01% | 13.56% | 12.79% | -230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.39% | 93.33% | 87.96% | 90.18% | 85.44% | 90.20% | 88.26% | 77.78% | -1,240 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 3.25% | 3.23% | 1.41% | 2.67% | 5.99% | 12.60% | +937 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |