Homosassa Springs, FL · Cert 20317
FDIC
Q4 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 | 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% | 2.17% | 2.13% | 2.05% | 1.57% | 1.48% | 1.46% | 1.47% | -58 bps | |
| Return on Equity | 35.86% | 36.47% | 34.57% | 33.25% | 24.63% | 23.34% | 22.66% | 22.59% | -1,066 bps | |
| Net Interest Margin | 3.89% | 4.14% | 4.36% | 4.23% | 3.81% | 3.68% | 3.62% | 3.62% | -62 bps | |
| Efficiency Ratio | 54.96% | 54.82% | 55.91% | 56.82% | 64.46% | 65.92% | 65.96% | 65.70% | +888 bps | |
| Non-Interest Burden | 1.83% | 1.90% | 2.06% | 2.05% | 2.20% | 2.18% | 2.14% | 2.12% | +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 |