Saint Augustine, FL · Cert 58308
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.89% | -4.01% | -0.96% | -8.41% | -7.82% | -6.58% | -4.77% | -4.04% | +437 bps | |
| Return on Equity | -31.29% | -34.27% | -10.39% | -105.01% | -109.68% | -101.29% | -144.14% | -135.55% | -3,053 bps | |
| Net Interest Margin | 2.38% | 2.12% | 2.23% | 2.21% | 2.03% | 2.13% | 2.01% | 2.32% | +11 bps | |
| Efficiency Ratio | 134.83% | 129.04% | 115.29% | 109.65% | 124.95% | 146.92% | 131.82% | 164.29% | +5,464 bps | |
| Non-Interest Burden | 3.26% | 2.76% | 2.58% | 2.43% | 2.55% | 3.16% | 2.93% | 3.83% | +140 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 | 2.05% | 2.56% | 0.00% | 3.15% | 2.20% | 4.57% | 7.90% | 7.09% | +394 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 |