Bradenton, FL · Cert 57930
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.67% | -1.03% | -0.97% | -0.75% | -2.19% | -10.76% | -10.25% | -8.45% | -770 bps | |
| Return on Equity | -3.62% | -8.05% | -8.10% | -6.49% | -20.13% | -136.76% | -150.36% | -139.04% | -13,255 bps | |
| Net Interest Margin | 2.53% | 2.69% | 2.63% | 2.59% | 2.52% | 1.61% | 1.19% | 1.26% | -132 bps | |
| Efficiency Ratio | 105.17% | 113.78% | 110.07% | 109.17% | 119.20% | 138.36% | 258% | 270% | +16,040 bps | |
| Non-Interest Burden | 2.67% | 3.08% | 2.91% | 2.83% | 3.04% | 2.26% | 2.74% | 3.21% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 139.85% | 108.72% | 75.08% | 81.69% | 35.09% | 10.79% | 1.67% | -6.90% | -8,859 bps | |
| Loan Growth (YoY) | 156.93% | 126.25% | 103.97% | 92.99% | 39.89% | 15.48% | 2.72% | -10.09% | -10,308 bps | |
| Deposit Growth (YoY) | 147.25% | 144.81% | 91.80% | 100.72% | 40.71% | 13.30% | 8.99% | 0.41% | -10,031 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 | 0.02% | 0.02% | 0.12% | 0.31% | 0.39% | 2.51% | 2.86% | 4.80% | +448 bps | |
| Allowance / Loans | 1.18% | 1.31% | 1.55% | 1.37% | 3.68% | 6.13% | 7.79% | 7.21% | +584 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 | 18.50% | 14.79% | 13.48% | 12.96% | 9.61% | 7.76% | 4.97% | 3.45% | -951 bps | |
| Equity / Assets | 14.29% | 11.53% | 10.65% | 10.21% | 8.72% | 7.01% | 4.66% | 3.72% | -649 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.53% | 90.72% | 93.03% | 92.15% | 92.98% | 92.47% | 87.68% | 82.52% | -964 bps | |
| Liquid Assets / Assets | 1.41% | 1.16% | 1.08% | 0.56% | 0.49% | 0.46% | 0.47% | 0.04% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |