Clermont, FL · Cert 58182
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 | -0.53% | -0.93% | -0.88% | -1.49% | -5.32% | -2.82% | -2.15% | -8.89% | -739 bps | |
| Return on Equity | -3.65% | -6.35% | -6.12% | -11.13% | -51.35% | -28.84% | -22.28% | -106.30% | -9,516 bps | |
| Net Interest Margin | 2.83% | 2.75% | 2.73% | 2.38% | 1.83% | 1.64% | 1.77% | 1.95% | -43 bps | |
| Efficiency Ratio | 128.59% | 127.38% | 126.09% | 132.34% | 160.00% | 126.00% | 118.63% | 166.76% | +3,442 bps | |
| Non-Interest Burden | 3.70% | 3.56% | 3.50% | 3.18% | 3.04% | 2.11% | 2.13% | 3.39% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 115.07% | 64.58% | 55.26% | 51.82% | 49.32% | 61.99% | 35.90% | 1.82% | -5,001 bps | |
| Loan Growth (YoY) | 152.73% | 70.73% | 58.05% | 47.18% | 50.88% | 45.14% | 32.34% | 7.97% | -3,920 bps | |
| Deposit Growth (YoY) | 146.02% | 77.76% | 70.38% | 58.79% | 59.12% | 74.46% | 42.59% | 8.68% | -5,011 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 | 0.95% | 1.38% | 0.88% | 0.66% | 3.84% | 1.97% | 1.43% | 4.88% | +423 bps | |
| Allowance / Loans | 1.43% | 1.20% | 1.21% | 2.11% | 3.36% | 3.65% | 3.88% | 7.57% | +546 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 | 16.80% | 15.69% | 13.76% | 11.20% | 10.55% | 10.02% | 10.07% | 1.51% | -969 bps | |
| Equity / Assets | 15.51% | 15.09% | 13.29% | 10.77% | 10.01% | 8.76% | 9.26% | 2.68% | -809 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.15% | 91.77% | 89.21% | 86.60% | 81.69% | 76.35% | 82.80% | 86.03% | -56 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |