Mirramar, FL · Charter 68486
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.28% | -2.46% | -1.21% | -1.88% | -2.56% | -2.38% | -1.10% | +10 bps | |
| Return on Equity | 3.01% | 2.58% | -25.94% | -15.15% | -25.06% | -40.36% | -36.47% | -55.09% | -3,994 bps | |
| Net Interest Margin | 3.07% | 3.14% | 3.45% | 2.97% | 3.02% | 3.03% | 3.30% | 3.24% | +27 bps | |
| Efficiency Ratio | 81.00% | 79.34% | 129.07% | 85.25% | 93.58% | 100.83% | 86.15% | 60.13% | -2,512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | -13.56% | -21.87% | -8.68% | -15.56% | -11.42% | -7.90% | -10.86% | -217 bps | |
| Loan Growth (YoY) | 6.25% | 2.13% | -4.10% | -4.27% | -9.46% | -10.78% | -14.47% | -15.56% | -1,128 bps | |
| Share Growth (YoY) | -6.89% | -10.64% | -10.61% | 2.35% | -3.92% | -10.81% | -7.91% | -5.85% | -821 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 2.58% | 3.97% | 4.32% | 4.64% | 5.65% | 5.07% | 9.83% | +551 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 | 0.80% | 0.91% | 1.04% | 1.29% | 1.43% | 1.68% | 2.14% | 3.91% | +262 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.53% | 10.90% | 9.50% | 7.96% | 7.49% | 6.35% | 6.53% | 2.00% | -596 bps | |
| Net Worth / Assets | 10.53% | 10.90% | 9.50% | 7.96% | 7.49% | 6.35% | 6.53% | 2.00% | -596 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.36% | 96.56% | 99.57% | 92.43% | 92.68% | 96.60% | 92.48% | 82.91% | -953 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |