Saint Cloud, FL · Cert 23410
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.54% | 1.73% | 1.79% | 1.49% | 1.59% | 1.53% | 1.36% | -43 bps | |
| Return on Equity | 20.06% | 19.23% | 21.60% | 21.99% | 18.66% | 19.88% | 18.73% | 16.63% | -535 bps | |
| Net Interest Margin | 4.10% | 4.14% | 4.23% | 4.39% | 4.01% | 3.97% | 3.77% | 3.64% | -76 bps | |
| Efficiency Ratio | 47.04% | 44.78% | 42.72% | 42.41% | 46.56% | 44.05% | 44.02% | 47.43% | +502 bps | |
| Non-Interest Burden | 1.51% | 1.40% | 1.37% | 1.47% | 1.52% | 1.41% | 1.31% | 1.43% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.86% | 17.08% | 13.60% | 12.98% | 11.13% | 8.29% | 10.75% | 10.04% | -294 bps | |
| Loan Growth (YoY) | 22.51% | 24.69% | 18.53% | 17.14% | 16.56% | 11.12% | 12.14% | 13.14% | -401 bps | |
| Deposit Growth (YoY) | 16.20% | 18.10% | 8.72% | 7.26% | 0.15% | 0.87% | 3.72% | 6.91% | -35 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 | 0.01% | 0.19% | 0.03% | 0.01% | -0.01% | -0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.34% | 1.29% | 1.30% | 1.28% | 1.24% | 1.22% | 1.21% | 1.19% | -9 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 | 11.92% | 11.38% | 11.81% | 11.72% | 11.47% | 11.47% | 11.66% | 11.34% | -38 bps | |
| Equity / Assets | 8.17% | 7.89% | 8.18% | 8.13% | 7.89% | 8.11% | 8.20% | 8.19% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.66% | 88.96% | 92.55% | 92.07% | 99.69% | 98.00% | 100.07% | 97.43% | +536 bps | |
| Liquid Assets / Assets | 0.35% | 0.31% | 0.30% | 0.76% | 1.60% | 2.72% | 2.89% | 2.67% | +191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |