Homosassa Springs, FL · Cert 20317
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 | 2.08% | 2.22% | 2.06% | 1.84% | 1.57% | 1.39% | 1.41% | 1.49% | -34 bps | |
| Return on Equity | 35.86% | 36.37% | 31.40% | 28.08% | 24.63% | 21.62% | 21.67% | 22.22% | -586 bps | |
| Net Interest Margin | 3.89% | 4.11% | 4.21% | 3.90% | 3.81% | 3.58% | 3.41% | 3.46% | -44 bps | |
| Efficiency Ratio | 54.96% | 54.68% | 58.20% | 59.89% | 64.46% | 67.45% | 66.05% | 64.89% | +500 bps | |
| Non-Interest Burden | 1.83% | 1.84% | 2.10% | 2.04% | 2.20% | 2.18% | 2.01% | 1.97% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.49% | -5.81% | -11.61% | -10.51% | -9.32% | -2.89% | 0.91% | -1.72% | +880 bps | |
| Loan Growth (YoY) | 18.46% | 14.23% | 13.75% | 9.82% | 2.63% | -0.98% | -1.73% | -2.21% | -1,202 bps | |
| Deposit Growth (YoY) | 5.93% | -3.40% | -14.54% | -20.64% | -17.49% | -11.35% | -3.16% | -2.12% | +1,852 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.44% | 0.45% | 0.45% | 0.46% | 0.48% | 0.50% | 0.49% | 0.49% | +3 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 | 15.15% | 14.35% | 13.76% | 12.60% | 13.58% | 13.63% | 13.70% | 13.04% | +44 bps | |
| Equity / Assets | 6.00% | 6.24% | 6.88% | 6.21% | 6.54% | 6.32% | 6.68% | 6.77% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.54% | 81.82% | 91.80% | 96.84% | 91.48% | 91.38% | 93.15% | 96.75% | -9 bps | |
| Liquid Assets / Assets | 10.27% | 4.36% | 0.51% | 0.48% | 2.95% | 3.63% | 2.06% | 0.54% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |