Crystal River, FL · Cert 17295
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.56% | 1.69% | 1.40% | 1.02% | 0.71% | 0.61% | 0.76% | -64 bps | |
| Return on Equity | 25.03% | 25.94% | 25.94% | 21.69% | 16.43% | 11.43% | 9.57% | 11.28% | -1,042 bps | |
| Net Interest Margin | 4.33% | 4.41% | 4.41% | 3.97% | 3.88% | 3.64% | 3.43% | 3.25% | -71 bps | |
| Efficiency Ratio | 72.22% | 72.05% | 69.47% | 72.30% | 78.96% | 84.51% | 85.97% | 81.66% | +936 bps | |
| Non-Interest Burden | 2.85% | 2.84% | 2.73% | 2.56% | 2.85% | 2.93% | 2.82% | 2.48% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.24% | -12.84% | -12.65% | -3.07% | -5.23% | 1.73% | -3.24% | -1.98% | +109 bps | |
| Loan Growth (YoY) | 10.37% | 6.64% | 8.41% | 5.76% | 2.04% | 0.02% | -5.09% | -5.86% | -1,162 bps | |
| Deposit Growth (YoY) | 1.42% | -8.39% | -13.31% | -13.60% | -14.57% | -7.98% | -9.41% | -1.52% | +1,209 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 | 0.02% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.76% | 0.75% | 0.74% | 0.74% | 0.75% | 0.75% | 0.78% | 0.79% | +5 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 | 14.32% | 14.94% | 14.85% | 13.17% | 13.95% | 14.05% | 14.47% | 13.80% | +63 bps | |
| Equity / Assets | 5.95% | 6.09% | 6.95% | 5.98% | 6.40% | 6.10% | 6.76% | 6.77% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.99% | 78.91% | 82.25% | 84.96% | 84.79% | 85.77% | 86.17% | 81.21% | -375 bps | |
| Liquid Assets / Assets | 4.47% | 0.95% | 0.82% | 0.90% | 1.85% | 1.76% | 0.82% | 4.46% | +355 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |