Palm Beach, FL · Cert 23592
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.60% | 7.61% | 3.24% | -0.82% | 6.08% | +48 bps | |
| Return on Equity | 7.34% | 9.78% | 4.09% | -1.08% | 8.39% | +105 bps | |
| Net Interest Margin | 4.19% | 3.21% | 3.28% | 4.32% | 3.48% | -71 bps | |
| Efficiency Ratio | 63.74% | 45.78% | 77.03% | 113.21% | 61.15% | -260 bps | |
| Non-Interest Burden | -7.32% | -9.93% | -3.07% | 8.18% | -9.70% | -238 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 |