Fort Myers, FL · Cert 58016
FDIC
Q3 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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.81% | -0.79% | -2.89% | -4.73% | -4.09% | -3.84% | -5.94% | -13.13% | -839 bps | |
| Return on Equity | -8.62% | -9.99% | -39.20% | -62.60% | -55.10% | -58.67% | -104.56% | -360% | -29,696 bps | |
| Net Interest Margin | 4.20% | 3.82% | 3.58% | 3.27% | 3.21% | 1.71% | 1.58% | 1.46% | -180 bps | |
| Efficiency Ratio | 100.47% | 97.24% | 96.89% | 114.04% | 118.46% | 161.69% | 188.11% | n/a | n/a | |
| Non-Interest Burden | 4.22% | 3.70% | 3.46% | 3.75% | 3.83% | 2.86% | 3.09% | 6.46% | +271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 50.14% | 31.37% | 25.21% | 2.52% | 11.42% | -10.21% | -4.80% | 0.81% | -172 bps | |
| Loan Growth (YoY) | 85.47% | 63.86% | 38.05% | 8.63% | -1.44% | -15.89% | -17.99% | -20.96% | -2,958 bps | |
| Deposit Growth (YoY) | 41.50% | 22.16% | 17.12% | -8.02% | 18.79% | -6.65% | 0.64% | 26.33% | +3,435 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% | 0.42% | 3.52% | 4.16% | 0.91% | 1.13% | 9.40% | +588 bps | |
| Allowance / Loans | 1.50% | 1.60% | 2.74% | 2.49% | 1.42% | 2.11% | 3.81% | 3.16% | +67 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 | 10.58% | 10.19% | 8.97% | 10.61% | 10.10% | 9.28% | 6.66% | -4.00% | -1,461 bps | |
| Equity / Assets | 8.40% | 7.45% | 6.41% | 8.18% | 6.89% | 6.19% | 3.97% | -2.89% | -1,107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.28% | 105.43% | 107.01% | 115.88% | 98.14% | 94.99% | 87.20% | 72.51% | -4,337 bps | |
| Liquid Assets / Assets | 0.09% | 0.11% | 0.04% | 0.11% | 11.71% | 10.91% | 18.81% | 14.79% | +1,468 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |