Tampa, FL · Charter 67343
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tampa, FL · Charter 67343
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.70% | -2.75% | -2.15% | -0.67% | -0.81% | -0.83% | -2.34% | -1.48% | -80 bps | |
| Return on Equity | -39.69% | -42.49% | -35.82% | -11.08% | -13.01% | -13.50% | -44.65% | -29.06% | -1,797 bps | |
| Net Interest Margin | 3.70% | 3.83% | 3.51% | 3.48% | 3.65% | 3.71% | 3.66% | 3.71% | +23 bps | |
| Efficiency Ratio | 84.09% | 82.90% | 63.98% | 59.44% | 63.19% | 67.61% | 83.14% | 82.83% | +2,339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.47% | -17.08% | -19.34% | -14.64% | -10.45% | -8.77% | -11.46% | -17.08% | -245 bps | |
| Loan Growth (YoY) | -10.97% | -12.70% | -15.01% | -13.83% | -16.74% | -17.12% | -18.81% | -24.12% | -1,029 bps | |
| Share Growth (YoY) | -6.83% | -8.01% | -11.48% | -11.68% | -7.41% | -5.82% | -8.47% | -14.42% | -273 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.74% | 3.04% | 3.83% | 3.72% | 3.05% | 3.73% | 4.80% | 4.58% | +86 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 | 3.19% | 3.40% | 3.69% | 4.02% | 3.50% | 3.72% | 4.72% | 4.97% | +95 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.80% | 6.48% | 6.01% | 6.09% | 6.22% | 6.18% | 5.25% | 5.08% | -101 bps | |
| Net Worth / Assets | 6.80% | 6.48% | 6.01% | 6.09% | 6.22% | 6.18% | 5.25% | 5.08% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.11% | 106.22% | 102.47% | 97.75% | 95.42% | 93.47% | 90.90% | 86.67% | -1,108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |