Bartow, FL · Cert 17283
FDIC
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.10% | 1.08% | 1.03% | 0.97% | 0.84% | 1.01% | 0.94% | -9 bps | |
| Return on Equity | 16.27% | 17.68% | 17.48% | 16.68% | 15.52% | 12.48% | 14.82% | 13.61% | -307 bps | |
| Net Interest Margin | 3.42% | 3.56% | 3.43% | 3.32% | 3.22% | 3.15% | 3.23% | 3.26% | -6 bps | |
| Efficiency Ratio | 64.14% | 63.22% | 63.17% | 63.33% | 64.37% | 66.98% | 64.30% | 67.60% | +427 bps | |
| Non-Interest Burden | 1.83% | 1.88% | 1.81% | 1.76% | 1.75% | 1.83% | 1.71% | 1.89% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.29% | 15.46% | 14.52% | 20.59% | 10.90% | 4.03% | 2.30% | -4.41% | -2,501 bps | |
| Loan Growth (YoY) | 14.87% | 19.19% | 16.72% | 19.21% | 19.98% | 19.19% | 19.20% | 13.83% | -538 bps | |
| Deposit Growth (YoY) | 12.45% | 14.65% | 11.52% | 12.72% | 10.42% | 1.81% | -0.44% | -6.58% | -1,930 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.06% | 0.09% | 0.10% | 0.07% | 0.03% | 0.05% | -4 bps | |
| Allowance / Loans | 1.07% | 1.06% | 1.06% | 1.02% | 1.01% | 1.01% | 1.03% | 1.04% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.15% | 11.07% | 11.28% | 11.24% | 11.27% | 11.37% | 11.18% | 11.50% | +26 bps | |
| Equity / Assets | 6.27% | 6.15% | 6.03% | 6.29% | 6.53% | 6.96% | 6.89% | 7.36% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.40% | 57.11% | 59.55% | 62.71% | 62.36% | 66.86% | 71.30% | 76.40% | +1,370 bps | |
| Liquid Assets / Assets | 5.01% | 4.42% | 4.91% | 4.83% | 4.82% | 4.93% | 5.04% | 5.19% | +36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |