Sarasota, FL · Charter 60669
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | 0.06% | -0.60% | -0.94% | -0.75% | -1.19% | -5.67% | -3.34% | -1.64% | -89 bps | |
| Return on Equity | 0.80% | -8.56% | -14.16% | -10.96% | -18.62% | -110.85% | -66.90% | -34.19% | -2,323 bps | |
| Net Interest Margin | 3.17% | 3.52% | 3.58% | 3.82% | 3.86% | 3.61% | 3.74% | 3.90% | +8 bps | |
| Efficiency Ratio | 90.53% | 74.58% | 75.60% | 73.09% | 74.11% | 79.94% | 67.50% | 75.15% | +206 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.16% | -3.58% | 0.76% | -2.89% | -4.47% | -7.37% | -10.24% | -7.52% | -463 bps | |
| Loan Growth (YoY) | 9.53% | 9.68% | 11.31% | 3.88% | 1.92% | -2.55% | -8.51% | -6.77% | -1,065 bps | |
| Share Growth (YoY) | -4.28% | -8.58% | -7.22% | -13.67% | -8.56% | -1.96% | -0.99% | -0.13% | +1,354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.63% | 2.16% | 1.99% | 2.92% | 4.38% | 5.15% | 6.15% | +416 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.94% | 1.41% | 1.59% | 1.93% | 2.49% | 3.12% | 3.69% | +210 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.34% | 7.03% | 6.62% | 6.87% | 6.38% | 5.12% | 4.99% | 4.79% | -208 bps | |
| Net Worth / Assets | 7.34% | 7.03% | 6.62% | 6.87% | 6.38% | 5.12% | 4.99% | 4.79% | -208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.63% | 94.32% | 99.86% | 104.35% | 101.02% | 93.75% | 92.27% | 97.41% | -694 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |