Winter Haven, FL · Cert 58043
FDIC
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.71% | -3.64% | -3.53% | -3.66% | -3.68% | -3.05% | -2.12% | -1.13% | +254 bps | |
| Return on Equity | -12.06% | -12.57% | -13.31% | -20.48% | -23.06% | -20.67% | -15.01% | -10.39% | +1,009 bps | |
| Net Interest Margin | 3.51% | 3.40% | 3.16% | 2.44% | 2.21% | 2.12% | 2.07% | 2.24% | -20 bps | |
| Efficiency Ratio | 179.41% | 179.83% | 184.17% | 234% | 225% | 195.29% | 185.27% | 167.16% | -6,634 bps | |
| Non-Interest Burden | 6.33% | 6.14% | 5.86% | 5.83% | 5.09% | 4.26% | 3.92% | 3.80% | -203 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.76% | 43.63% | 62.79% | 59.55% | 79.12% | 79.89% | 51.85% | 59.84% | +29 bps | |
| Loan Growth (YoY) | 233% | 165.76% | 91.16% | 72.21% | 92.39% | 81.92% | 94.06% | 64.76% | -745 bps | |
| Deposit Growth (YoY) | 45.81% | 74.07% | 86.85% | 71.33% | 86.91% | 79.53% | 54.45% | 71.44% | +11 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% | 0.00% | 0.00% | 0.00% | 0.01% | 0.06% | 0.91% | +91 bps | |
| Allowance / Loans | 1.62% | 1.62% | 1.55% | 1.35% | 1.33% | 1.44% | 1.58% | 1.39% | +4 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 | 40.74% | 35.30% | 31.48% | 25.11% | 20.15% | 18.58% | 16.13% | 14.22% | -1,089 bps | |
| Equity / Assets | 27.00% | 24.34% | 19.34% | 16.59% | 12.96% | 11.97% | 11.91% | 9.94% | -665 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.42% | 92.87% | 85.65% | 92.43% | 94.10% | 94.11% | 107.61% | 88.83% | -360 bps | |
| Liquid Assets / Assets | 0.45% | 0.43% | 11.02% | 12.31% | 11.06% | 15.07% | 8.68% | 16.80% | +449 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |