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Crystal River Bank

Crystal River, FL · Cert 17295

FDIC

Q4 2007

$56.7MAssets
$38.8MLoans
$47.8MDeposits
$3.8MEquity
Deposit mix
79%Interest-bearing $37.8M21%Noninterest $10.0MQ4 2006Q4 2007

NIM

5.55%Q4 ’055.74%Q4 ’065.58%Q4 ’07-10%-18%

Non-interest income vs. expense

3.69%Q4 ’053.66%Q4 ’063.43%Q4 ’07-8%-3%

Executive Summary

  • Earnings: ROA of 0.76%, down 64 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 81.21% of deposits as of Q4 2007.

Financial Results

Return on Assets (quarter, annualized)

0.76%-64 bps YoY

Net Interest Margin (quarter, annualized)

3.25%-71 bps YoY

Efficiency Ratio (quarter, annualized)

81.66%+936 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets1.40%1.02%0.71%0.61%0.76%-64 bps
Return on Equity21.69%16.43%11.43%9.57%11.28%-1,042 bps
Net Interest Margin3.97%3.88%3.64%3.43%3.25%-71 bps
Efficiency Ratio72.30%78.96%84.51%85.97%81.66%+936 bps
Non-Interest Burden2.56%2.85%2.93%2.82%2.48%-8 bps
Growth
Asset Growth (YoY)-3.07%-5.23%1.73%-3.24%-1.98%+109 bps
Loan Growth (YoY)5.76%2.04%0.02%-5.09%-5.86%-1,162 bps
Deposit Growth (YoY)-13.60%-14.57%-7.98%-9.41%-1.52%+1,209 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%0.00%0 bps
Allowance / Loans0.74%0.75%0.75%0.78%0.79%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.17%13.95%14.05%14.47%13.80%+63 bps
Equity / Assets5.98%6.40%6.10%6.76%6.77%+79 bps
Liquidity & Funding
Loans / Deposits84.96%84.79%85.77%86.17%81.21%-375 bps
Liquid Assets / Assets0.90%1.85%1.76%0.82%4.46%+355 bps
CRE / Total Capitaln/an/an/an/an/an/an/a