Palm Beach, FL · Cert 23592
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.40% | 7.61% | 5.39% | 3.26% | 3.99% | +60 bps | |
| Return on Equity | 4.44% | 9.78% | 6.92% | 4.23% | 5.28% | +84 bps | |
| Net Interest Margin | 4.04% | 3.21% | 3.36% | 3.62% | 3.74% | -30 bps | |
| Efficiency Ratio | 76.21% | 45.78% | 61.87% | 80.29% | 74.88% | -133 bps | |
| Non-Interest Burden | -2.98% | -9.93% | -6.86% | -1.73% | -3.80% | -82 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.55% | 5.04% | 7.44% | 9.83% | 11.61% | +1,005 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 217% | 229% | 310% | 224% | 153.31% | -6,405 bps | |
| Equity / Assets | 75.30% | 80.43% | 78.10% | 74.00% | 71.12% | -418 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 48.05% | 34.64% | 59.88% | 51.89% | 66.01% | +1,796 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |