Miami Beach, FL · Charter 7450
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Miami Beach, FL · Charter 7450
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.28% | 0.28% | 0.52% | -1.66% | -2.41% | -5.22% | -17.56% | -1,808 bps | |
| Return on Equity | 13.01% | 10.62% | 2.43% | 4.51% | -15.67% | -24.51% | -68.96% | -1221% | -122,578 bps | |
| Net Interest Margin | 6.46% | 6.58% | 6.00% | 5.87% | 6.14% | 6.22% | 5.69% | 6.62% | +75 bps | |
| Efficiency Ratio | 77.32% | 77.78% | 80.77% | 82.79% | 92.04% | 90.26% | 83.14% | 522% | +43,953 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.85% | 0.71% | -0.21% | -0.51% | -1.17% | -1.90% | -4.17% | -18.86% | -1,835 bps | |
| Loan Growth (YoY) | 5.15% | 3.02% | 8.37% | 1.50% | -1.17% | -9.38% | -14.41% | -12.64% | -1,414 bps | |
| Share Growth (YoY) | 15.34% | -0.50% | -2.76% | -0.73% | -0.11% | 1.32% | 0.39% | -10.10% | -937 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.56% | 4.71% | 5.43% | 3.43% | 5.19% | 6.63% | 4.95% | 4.58% | +115 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 | 1.66% | 1.55% | 1.50% | 1.51% | 1.55% | 1.99% | 2.85% | 6.54% | +503 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.57% | 12.03% | 11.62% | 11.52% | 10.57% | 9.85% | 7.57% | 1.44% | -1,009 bps | |
| Net Worth / Assets | 11.57% | 12.03% | 11.62% | 11.52% | 10.57% | 9.85% | 7.57% | 1.44% | -1,009 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.39% | 78.14% | 77.15% | 68.72% | 70.63% | 69.89% | 65.77% | 66.78% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |