Boca Raton, FL · Charter 17021
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.20% | 0.24% | 0.13% | 0.57% | 0.73% | 0.39% | -18.27% | -1,840 bps | |
| Return on Equity | -0.35% | 1.77% | 1.89% | 1.06% | 4.43% | 5.48% | 2.67% | -176.35% | -17,741 bps | |
| Net Interest Margin | 3.81% | 4.06% | 4.67% | 4.65% | 4.71% | 4.90% | 5.48% | 4.04% | -61 bps | |
| Efficiency Ratio | 95.27% | 90.56% | 89.82% | 84.61% | 81.57% | 81.04% | 81.47% | 440% | +35,516 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.05% | -9.10% | -16.08% | -12.99% | -12.52% | -12.01% | -11.00% | -15.01% | -203 bps | |
| Loan Growth (YoY) | 12.15% | 11.48% | 8.59% | 4.88% | 2.44% | -2.28% | -7.86% | -7.60% | -1,248 bps | |
| Share Growth (YoY) | -9.65% | -10.10% | -18.15% | -14.84% | -14.58% | -14.16% | -13.06% | -12.57% | +227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.61% | 1.51% | 1.33% | 1.59% | 0.94% | 1.12% | 0.81% | -52 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 | 0.31% | 0.35% | 0.46% | 0.70% | 0.74% | 0.90% | 0.71% | 1.63% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.74% | 11.13% | 12.63% | 12.38% | 12.82% | 13.27% | 14.58% | 10.36% | -202 bps | |
| Net Worth / Assets | 10.74% | 11.13% | 12.63% | 12.38% | 12.82% | 13.27% | 14.58% | 10.36% | -202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.35% | 78.52% | 91.74% | 84.45% | 85.57% | 89.39% | 97.23% | 89.25% | +480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |