Lake Worth, FL · Charter 67346
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 | 0.20% | 0.04% | -0.77% | -0.51% | -0.62% | -0.07% | -1.33% | -2.14% | -163 bps | |
| Return on Equity | 0.72% | 0.16% | -3.00% | -2.04% | -2.39% | -0.26% | -4.35% | -6.89% | -485 bps | |
| Net Interest Margin | 3.77% | 3.85% | 3.29% | 3.27% | 3.35% | 3.45% | 3.19% | 3.04% | -23 bps | |
| Efficiency Ratio | 94.72% | 94.80% | 113.68% | 110.89% | 115.34% | 99.71% | 141.78% | 166.23% | +5,534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.71% | -6.33% | -7.59% | -3.19% | -5.68% | -8.92% | -17.56% | -23.28% | -2,009 bps | |
| Loan Growth (YoY) | -22.60% | -27.77% | -29.64% | -29.09% | -23.84% | -24.27% | -28.32% | -32.62% | -353 bps | |
| Share Growth (YoY) | -8.28% | -7.54% | -6.63% | -0.46% | -3.58% | -8.36% | -23.05% | -29.50% | -2,904 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.49% | 3.93% | 4.42% | 3.27% | 3.41% | 6.34% | 8.37% | 9.46% | +618 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 | 1.25% | 0.51% | 3.71% | 4.23% | 4.39% | 4.91% | 5.84% | 6.32% | +209 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.84% | 28.38% | 25.61% | 25.09% | 26.11% | 28.10% | 30.68% | 31.14% | +605 bps | |
| Net Worth / Assets | 27.84% | 28.38% | 25.61% | 25.09% | 26.11% | 28.10% | 30.68% | 31.14% | +605 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.41% | 77.25% | 67.71% | 60.92% | 64.30% | 63.84% | 63.07% | 58.22% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |