Saint Augustine, FL · Cert 58308
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.24% | -4.26% | -0.96% | -15.62% | -6.47% | -2.73% | -4.77% | -3.20% | +1,242 bps | |
| Return on Equity | -74.16% | -42.41% | -10.39% | -213% | -125.92% | -65.41% | -144.14% | -127.68% | +8,532 bps | |
| Net Interest Margin | 2.21% | 2.44% | 2.23% | 2.27% | 1.85% | 2.04% | 2.01% | 2.53% | +26 bps | |
| Efficiency Ratio | 155.74% | 114.40% | 115.29% | 104.34% | 159.70% | 217% | 131.82% | 225% | +12,097 bps | |
| Non-Interest Burden | 3.48% | 2.81% | 2.58% | 2.37% | 2.99% | 4.49% | 2.93% | 4.57% | +220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 81.19% | 49.78% | 43.10% | 34.51% | 9.86% | -0.37% | -2.17% | -17.02% | -5,153 bps | |
| Loan Growth (YoY) | 96.47% | 67.83% | 42.99% | 26.68% | 8.48% | -5.64% | -13.58% | -18.24% | -4,492 bps | |
| Deposit Growth (YoY) | 85.20% | 54.70% | 56.75% | 47.67% | 21.71% | 1.64% | 4.90% | -15.03% | -6,270 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 | 6.15% | 4.51% | 0.00% | 6.30% | 0.09% | 11.19% | 7.90% | 5.94% | -37 bps | |
| Allowance / Loans | 2.50% | 2.35% | 2.46% | 5.59% | 7.43% | 5.25% | 4.86% | 3.98% | -161 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 | 12.61% | 11.56% | 10.92% | 7.83% | 6.30% | 5.69% | 4.54% | 3.75% | -408 bps | |
| Equity / Assets | 10.68% | 9.44% | 9.01% | 5.76% | 4.48% | 3.88% | 2.74% | 2.25% | -351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.59% | 94.39% | 99.31% | 90.54% | 91.44% | 87.63% | 81.81% | 87.12% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 5.49% | 8.44% | 8.29% | 8.41% | 8.10% | 7.40% | 7.39% | -90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |